Commercial Trucking Insurance

Fueling peace of mind, mile by mile.

Island Fleet is a trucking insurance home built for the road — top markets, real support, and a team that moves as fast as you do. For fleets, owner-operators, and the agents who serve them.

9
States Licensed
2
Agent Programs
12+
Years in Trucking
● Licensed & Bonded Where we write AlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming CAFLINMNNJNCNDPATX
Licensed Coming soon
9
States and growing — TX, CA, FL, NJ, PA, NC, IN, MN & ND. 🚛
I need coverage

For Truckers & Fleets

Look up your DOT, get a quote, pull certificates, file claims — all in one place.

Explore client tools →
I'm an agent / agency

Build With Island Fleet

Two programs, real market access, and a professional home. Recruiting for Q4.

See agent programs →
Backed by carriers that move freight
◆ Mile Marker 01 — Coverage

What we
insure

Specialized trucking coverage built around how your operation actually runs — not a one-size-fits-all policy.

01

Long-Haul

Interstate and OTR operations running long lanes across the country. Primary liability with federal filings, motor truck cargo, and physical damage — built for high-mileage exposure, with the certificates your brokers demand issued fast.

02

Short-Haul

Regional and intrastate runs — local distribution, construction, agriculture. Radius-rated pricing means you don't pay long-haul premiums for 100-mile lanes, and we handle the state filings.

03

Owner-Operators

One rig, your name on the door. Leased to a carrier? Bobtail/NTL and physical damage. Running your own authority? The full package sized for a one-truck operation — plus Occ-Acc to protect the driver, not just the truck.

04

Freight Brokers

You move freight without touching it — but the risk still touches you. Contingent cargo, contingent auto liability, general liability, and the BMC-84 surety bond, all under one roof.

Main coverages we write

Auxiliary coverages

Specialty

3-Day Policy

$365 flat · up to 72 hours

Just bought a truck or need to relocate one? Short-term liability & physical damage so you can move it legally without committing to an annual policy. Fast turnaround.

Get yours →
Add-On

Roadside Assistance

$400 per year · per truck

Towing, flat tires, fuel & fluid delivery, lockouts, extrication & winching — protection that gets your rig rolling again when the road has other plans. Financing available.

Get yours →
Add-On

Occupational Accident

Get a Quote per driver

Medical bills, disability & death benefits for 1099 owner-operators who aren't covered by workers' comp. Protection for the driver — not just the truck.

Get yours →
Add-On

Non-Trucking Liability

Get a Quote per unit

Bobtail & off-dispatch liability for leased-on owner-operators — driving with no trailer or on personal time. Most lease agreements require it.

Get yours →
Self-Service · Instant

Bonds — buy online in minutes

Freight Broker Bonds (BMC-84), Texas Over Axle / Overweight Bonds, and every other bond your operation needs. Quote it, pay it, and get your bond issued — 100% online, no phone call required.

Buy Your Bond Online →
Self-Service · Instant Quotes

Business coverage — quote & buy online

General liability, BOP, workers' comp, occupational accident, E&O, umbrella, cyber and more. Complete a quick application, get a bindable quote, sign and pay — all on your own, any hour of the day.

Start My Instant Quote →
Smart Quote Start

Start with your DOT number

Enter your USDOT or MC number and we'll pull your carrier profile straight from FMCSA — so your quote starts pre-filled. No forms to dig through. Takes 5 seconds.

SUNROAD CARRIERS LLC
Dallas, TX · USDOT #1523020
● Active — Authorized
14
Power Units
16
Drivers
Interstate
Operation
General Freight
Cargo
This is us — Start my quote →
Live data · FMCSA motor carrier census (data.transportation.gov)
◆ Mile Marker 02 — Client Hub

Everything you need,
self-serve

Fast forms that drop straight into our service pipeline, so your request moves the moment you hit send.

↳ Every request drops straight into our service pipeline the moment you hit send — no waiting, no lost emails.
◆ Mile Marker 03 — Beyond Insurance

Your one-stop
trucking shop

Insurance is just the start. We handle the paperwork that keeps your operation legal, compliant, and rolling — in all 50 states.

🏢

LLC Formation

Start your trucking company right, from day one.

🔢

EIN Registration

Your federal tax ID, handled fast.

🚛

DOT & MC Authority

Operating authority filings, done correctly.

📋

BOC-3 Filing

Process agent designation in every state.

🪪

IRP Plates

Apportioned registration for interstate runs.

IFTA

Fuel tax setup and quarterly compliance.

🧾

Form 2290 (HVUT)

Heavy vehicle use tax filings on time.

🗂️

UCR & State Permits

UCR, state permits & MCS-150 updates.

New authority or missing a permit?
Tell us what you're setting up and we'll handle the filings — insurance and paperwork under one roof.
Request Permits & Registrations →
◆ Mile Marker 04 — Producer Programs

Two paths.
One clear choice.

One simple question: do you want to build your book with our full support behind you — or keep running your own show with our markets in your corner?

Active P&C license1099 independentNo quotas — ever
Build With UsPath 01

Core Producer Program

For licensed producers — newly licensed or experienced — who want to build a book without doing it alone.

  • Deep commercial & trucking market access
  • Complete training program + welcome kit
  • All the tools, systems & structure to run your book
  • We service your policies after the sale
  • E&O included — no cost to you
  • A commission split that grows with your book
Learn More →
Go IndependentPath 02

Reef Elite Alliance

For established agents & agencies who run their own business and just need trucking market access.

  • Trucking markets most agencies can't reach
  • Full control of your business & your clients
  • Your book is 100% yours — portable
  • A dedicated desk for your hard-to-place risks
  • Top-tier commission with a volume escalator
Learn More →
Top Markets

Serve your clients with confidence through carriers and MGAs that actually write trucking.

Real Community

Agents help agents. You're never on your own out here.

Room to Grow

Training, mentorship, and resources built to move your career forward.

A Pro Home

Built on ethics, transparency, and teamwork — not just a signature on a contract.

Agent Portal
Already on the team? Log in to see your commissions, materials, submission status, and application progress.

Make a payment

Down payments & agency fees — pay us directly. Monthly installments — pay your finance company or carrier below.

💳 Pay Island Fleet Directly →
◆ Mile Marker 05 — Say Hello

Let's talk
trucking.

Quote, question, or thinking about joining as a producer — drop us a line and a real person gets back to you fast.

Form not loading? Open it here · COIs, endorsements & claims have fast-track forms in the Client Hub.

Fleet Assistant
● Online — ask us anything
Hey! 👋 I'm the Island Fleet assistant. I can help with trucking coverage, certificates, claims — or if you're an agent, our programs. What do you need?