Insurance posture
Trucking lines, leased owner-operator coverage, and the contract-vs-coverage check.
Contract-vs-coverage mismatch. A shipper contract requires $250,000 motor truck cargo; the policy carries $100,000. Flagged by the contract analyzer. A cargo loss above your limit comes out of pocket, and this contract asks for a higher limit than your program shows today. Your agent can tell you what to do about the difference.View contract
Coverage lines
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| Line | Carrier | Limit | Annual premium | Effective | Expires | Status |
|---|---|---|---|---|---|---|
| Auto Liability | Cornerstone Mutual | $1,000,000 CSL | $412,000 | Nov 23, 2025 | Nov 23, 2026 | In force |
| Auto Physical Damage | Huron Valley Mutual | Stated $2,850,000 | $95,000 | Nov 23, 2025 | Nov 23, 2026 | In force |
| Motor Truck Cargo | Cornerstone Mutual | $100,000 | $18,500 | Nov 23, 2025 | Nov 23, 2026 | Gap |
| Excess / Umbrella | Summit Specialty | $4,000,000 | $68,000 | Nov 23, 2025 | Nov 23, 2026 | In force |
| General Liability | Prairie Specialty | $1,000,000 / $2,000,000 | $14,200 | Mar 9, 2026 | Mar 9, 2027 | In force |
| Workers Comp / Occ-Acc | Regional Mutual | Statutory | $96,000 | Apr 23, 2026 | Apr 23, 2027 | Review |
| Total annual premium | $703,700 | |||||
The auto program (auto liability, physical damage, cargo, umbrella) renews together on Nov 23, 2026; general liability and work comp renew on their own dates. Every line in force sits on one page here, so a renewal conversation with your agent starts from the whole program.
Owner-operator insurance
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Leased owner-operators carry their own coverage. A gap in bobtail, physical damage, or Occ/Acc flows back to your exposure. Bobtail (non-trucking liability) covers the tractor when it runs without a trailer or off-dispatch, which the auto liability policy often excludes. Physical damage protects the owner-operator's truck. Occ/Acc covers on-the-job injury where the driver is exempt from workers comp. The table shows which of the three each leased unit carries today.
| Owner-operator | Unit | COI | Renews | Bobtail | Phys dam | Occ/Acc |
|---|---|---|---|---|---|---|
Ramon Delgado | 214 | On file | Dec 23, 2026 | Yes | Yes | Yes |
Danny Kwon | 244 | On file | Dec 22, 2026 | Yes | Yes | Yes |
Sergei Ivanov No Occ/Acc on file; confirm the workers-comp exemption is documented. | 236 | On file | Feb 11, 2027 | Yes | Yes | No |
Antoine Baptiste COI expires soon and carries no physical damage. | 231 | Expiring | Aug 31, 2026 | Yes | No | Yes |
Marcus Hollins No COI on file; a leased unit running without verified coverage. | 240 | Missing | - | No | No | No |
Curtis Boone | 248 | On file | Nov 6, 2026 | Yes | Yes | Yes |
Showing 6 of 14 leased owner-operators · 2 COIs need attention · 2 missing bobtail or physical damage. Every certificate a leased operator sends in lands here, with its limits and renewal date alongside the unit it belongs to.
Filings & registrations
MCS-90 endorsementOn file
BMC-91XOn file
UCR registrationCurrent (2026)
Form 2290 (HVUT)Due before renewal
Tracked here as an educational checklist. Your agent files these.