Commercial Division
Transportation
Trucking, fleets and specialty auto
Transportation Underwriter — For-Hire Fleets
Caitlyn Gardner
Transportation Underwriter — Commercial Auto / Not-for-Hire
Molly Decker
Agents must be appointed with INVO to receive commission on submitted or bound accounts.
What rolls through this division
Appetite at a glance
- Regional hot shots
- Dirt, sand and gravel risks
- Regional dry van risks
- Regional flatbed risks
- Target states: AR, MS, AL, TN, KY, NC, SC, FL
- Local, intermediate and long-haul trucking, 1–50 power units
- Motor truck cargo, trailer interchange and physical damage
- Non-trucking liability and owner-operator programs
- New ventures with qualifying driver experience
Products
What we write in this division
Choose the tile that best fits the account. Each product lists the coverages available and exactly what to attach so we can quote on the first pass. If nothing fits, use the general submission tile and our team will route it.
Primary
For-Hire Transportation
Trucking risks hauling for hire — local, intermediate and long-haul radius.
- Auto Liability
- Cargo
- Physical Damage
- General Liability
Eligibility highlights
- 1–50 power units
- Local, intermediate and long-haul radius
- New ventures with verifiable driver experience
Send with the submission
- INVO Trucking application (fillable)
- Vehicle schedule
- Drivers list with MVRs
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Primary
Commercial Fleet (Not For Hire)
Business-owned fleets used in operations rather than hauling for hire.
- Auto Liability
- Physical Damage
Eligibility highlights
- Business-owned units used in operations
- Contractor, service and delivery fleets
- Clean MVRs on all listed drivers
Send with the submission
- Appropriate ACORD Application
- Vehicle schedule
- Drivers list with MVRs
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Catch-All
Transportation General Submission
Anything transportation-related that doesn't fit a specific product tile.
Send with the submission
- Appropriate ACORD Application
- Loss runs up to 5 years, if possible, or no-loss letter
- Description of operations
Response time: 1 business day
Ancillary
Motor Truck Cargo
Cargo coverage for commodities in transit.
- Cargo
Send with the submission
- MTC Information Sheet 2026 (Tysers supplement)
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Ancillary
Physical Damage
Comprehensive and collision on power units and trailers.
- Physical Damage
Send with the submission
- APD Information Sheet 2026 (Tysers supplement)
- Vehicle schedule with stated values
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Ancillary
Trucking General Liability
Premises and operations liability for trucking and warehousing risks.
- General Liability
Send with the submission
- Appropriate ACORD Application
- Loss runs up to 5 years, if possible, or no-loss letter
- Description of operations
Response time: 1 business day
Ancillary
Trucking Workers' Compensation
Workers' comp written alongside a trucking auto program.
- Workers' Compensation
Send with the submission
- Appropriate ACORD Application
- Loss runs up to 5 years, if possible, or no-loss letter
- Experience mod worksheet when available
Response time: 1 business day
Markets
Sample markets in this division
Live carrier appetite records routed to this division.
Sample markets
Trucking Workers’ Compensation
Transportation
Send to INVO · 1 business day
Transportation General Liability
Transportation
Send to INVO · 1 business day
For-Hire Transportation
Transportation
Send to INVO · 1 business day
Cargo
Transportation
Send to INVO · 1 business day
Physical Damage
Transportation
Send to INVO · 1 business day
Questions
Transportation FAQ
The questions agents ask most before sending an account.
Still unsure? Ask an underwriter.
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