Ohio agents · 80+ carriers

    Ohio commercial truck insurance built for working operators.

    Coverage that fits how Ohio actually moves freight. We shop 80+ markets for owner-operators, fleets, and motor carriers running everything from Rickenbacker Inland Port to Carroll County shale pads. Same-day binding. Form E filed direct to PUCO.

    Choose from Ohio's top truck insurance carriers

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    90 seconds. No obligation.

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    Trusted by Ohio operators · A-rated

    80+ A-Rated Carriers
    Ohio Agents
    4.9 / 5 · 256 Reviews
    Same-Day Form E Filing
    Statewide Ohio Coverage
    340+ Operators Insured
    Secure & Confidential Quotes
    No-Obligation Quotes
    Bind in Under 4 Hours
    PUCO & FMCSA Filings
    80+ A-Rated Carriers
    Ohio Agents
    4.9 / 5 · 256 Reviews
    Same-Day Form E Filing
    Statewide Ohio Coverage
    340+ Operators Insured
    Secure & Confidential Quotes
    No-Obligation Quotes
    Bind in Under 4 Hours
    PUCO & FMCSA Filings
    How it works

    Three steps to insure your truck

    We handle the shopping, the paperwork, and the filings. You pick the option that fits your operation.

    80+ A-rated carriers
    Same-day Form E filing
    Ohio agents
    Route · TX → BoundLive
    90 sec process

    See how it works in 90 seconds

    From application to bound policy — the path your truck takes through our agency.

    1. 1

      One 90-second application

      ≈ 90 seconds

      Tell us your operation, truck, cargo, and route. Your submission reaches every market we represent that has appetite for your class.

    2. 2

      We match you to the right policy

      Same business day

      Your assigned producer shops every appointment with appetite for your operation and presents the three best options side-by-side. No bait, no anchor pricing.

    3. 3

      Bind coverage and start rolling

      Certificates in < 1 hr

      Sign electronically. We file Form E with PUCO and BMC-91 with FMCSA the same business day. Certificates to your shippers within the hour.

    Top commercial truck insurance policies

    Every Ohio trucking operation needs a different mix of coverages. These are the policies we place most often for operators running between Cleveland, Columbus, Cincinnati, Toledo, and the Utica shale fields.

    Primary Liability

    Required on every commercial truck running an Ohio plate. Pays the other driver and their property when you're at fault. PUCO sets a $300K floor; most Columbus and Cleveland shippers want $1M.

    Starting at $5,300/yr

    Physical Damage

    Comp and collision on tractor and trailer. Agreed value on older units. Gap coverage for anything financed through a Cleveland or Columbus lender.

    Starting at $2,300/yr

    Motor Truck Cargo

    Pays for the freight on your trailer. Reefer breakdown endorsement for temperature-sensitive loads. Limits scaled to commodity class — corn syrup is not the same as Honda parts.

    Starting at $1,150/yr

    Non-Trucking Liability

    Covers you when you're off-dispatch, deadheading home, or running personal use. Required by virtually every motor carrier lease working out of NE Ohio.

    Starting at $580/yr

    Bobtail Insurance

    Liability when the tractor runs without a trailer hooked. Covers the gap between dispatches so a fender bender on I-71 doesn't come out of pocket.

    Starting at $390/yr

    Workers Compensation

    Ohio runs a monopolistic state fund through Ohio BWC. We coordinate the BWC policy and layer employer's liability for company drivers, mechanics, and yard staff.

    Starting at $3,100/yr

    Why Ohio Commercial Truck Insurance?

    We are an Ohio truck-only agency. We shop A-rated markets, present the real numbers side-by-side, and file your paperwork the same day you bind. No phone trees. No out-of-state call centers. Just Ohio agents working trucking-only books out of Columbus.

    340+
    Ohio operators insured
    $312M+
    Total premium placed
    80+
    A-rated carriers shopped

    Our trusted carrier partners

    ProgressiveGreat West CasualtyCanal InsuranceSentryZurichNational InterstateHallmarkBerkleyHDI Global
    Get Quotes

    Whatever you haul, we've got you covered

    We place coverage for every truck class working an Ohio plate. Pick your rig to see the markets that write your class.

    Two ways to start your coverage

    Compare quotes online

    Use our 90-second application to enter your operation details and get personalized quotes from multiple top carriers.

    Get Quotes

    Talk to an agent

    We're ready to answer questions about coverage, filings, and what your operation needs. Call and get a Ohio agent on the line.

    (614) 555-0100

    What our customers are saying

    ★★★★★5.0

    "Took $28,400 off our six-truck reefer renewal. Old agent had us asleep at the wheel for three years straight. These guys actually shopped every market on the appetite list."

    DT
    David T.
    6-truck reefer fleet · Columbus, OH
    ★★★★★5.0

    "Brand new MC, zero history, every other agency wanted half down. Got me written with Progressive and the MC filed before close of business. First load rolled the next morning out of CVG."

    CM
    Carlos M.
    Hot shot · Cincinnati, OH
    ★★★★★5.0

    "Had a wreck in month two on I-76. Our agent sat through the adjuster call and would not let them lowball us on the settlement. That is the difference between an agent and a vendor."

    JW
    Jessica W.
    12-truck flatbed · Youngstown, OH

    Frequently asked questions

    A clean single-truck operation in Ohio typically runs $11,400 to $16,800 a year. Your number lands inside that range based on truck class, what you haul, your radius, your CSA scores, and how long you've held a CDL. Brand-new authorities pay roughly 20–40% more during the first 12 months while underwriters watch your loss runs build.
    PUCO requires Ohio intrastate carriers to carry at least $300,000 in combined single limit liability for most freight, with higher limits for hazmat and passenger work. Interstate carriers hauling non-hazardous freight over 10,001 lbs fall under FMCSA's $750,000 floor. Hazmat moves push that to $1M–$5M depending on the placard. Most shippers in Columbus and Cleveland will not load you under $1M anyway.
    When your packet is complete — MVR, CDL, prior loss runs, current dec page — we can quote, bind, and file Form E with PUCO or BMC-91 with FMCSA inside 4 hours on a normal business day. Hot shots running out of Rickenbacker often bind same morning so they make their afternoon dispatch.
    Yes. We hold appointments with Progressive, Canal, Hallmark, and surplus markets that actually want new-venture risk. We also walk you through MC application, BOC-3 process agents, and UCR — most new operators in Greater Cincinnati and the Mahoning Valley are bound and rolling within the same week they call us.
    Intrastate work stays inside Ohio's border and falls under PUCO. Interstate work crosses any state line and falls under FMCSA. Both require their own filings — Form E for PUCO, BMC-91 for FMCSA — and the wrong filing will park your truck at the next scale on I-70 or I-80 until the right one is on file.
    Yes. We file Form E with PUCO for intrastate carriers and BMC-91 (or BMC-91X) with FMCSA for interstate operators the same business day we bind. Form H cargo filings are part of the package. Filing is included — you do not pay extra for it.

    Get your Ohio truck insurance quote today

    90-second application. Multiple A-rated carriers shopped on every quote.

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