Flatbed insurance for fleets
Compare affordable programs from A rated carriers. One application, many markets, licensed in 49 states.
Flatbed freight is exposed to weather, securement failures and load shift. We work with carriers that understand open deck operations and can structure cargo limits around what you actually haul.
Coverages flatbed fleets carry
- Primary auto liability
- Motor truck cargo
- Physical damage
- Oversize endorsements
- Umbrella and excess
Risks underwriters look at
- Load securement failures
- Weather damage to open freight
- Oversize and overweight permits
Flatbed insurance: benchmarks and filings
Federal liability minimums
| Freight | Minimum |
|---|---|
| General freight (10,001 lbs or more) | $750,000 |
| Oil and certain hazardous materials | $1,000,000 |
| Higher risk hazardous materials | $5,000,000 |
Source: FMCSA, 49 CFR 387.9. Most shippers ask for $1,000,000.
Filings overview
- BMC-91X
- Federal liability filing your insurer sends to the FMCSA for interstate operating authority.
- MCS-90
- Federal endorsement that guarantees payment to the public up to the required liability minimum.
- Form E / Form H
- State filings that evidence liability and cargo coverage for intrastate authority where required.
- BOC-3
- Designation of process agents in every state where you operate. Required for interstate authority.
- UCR
- Annual Unified Carrier Registration fee based on fleet size. Required for most interstate carriers.
What drives your premium
- Commodities such as steel, lumber or machinery
- Oversize permit frequency
- Radius of operation and the lanes you run
- Driver ages, CDL experience and MVR history
- Three to five years of loss runs
- CSA scores and inspection results
- Years under your current operating authority
Every operation is priced individually. A licensed specialist confirms your real number.
Direct answers
Does cargo insurance cover tarping and securement claims?
It depends on the policy form. Some cargo forms exclude improper securement. We review exclusions with you before you bind.
Can flatbed fleets haul oversize loads on a standard policy?
Oversize and heavy haul work usually requires an endorsement or a specialty market. Tell us about these loads up front so coverage matches the work.
Who is Prestige Trucking Insurance?
Prestige Trucking Insurance is the trade name of Prestige International Insurance Group, Inc., an independent commercial trucking insurance agency headquartered at 7200 W McNab Rd, Tamarac, FL 33321. It is licensed in 49 states, specializes in fleets of three or more trucks and can be reached at (855) 643-3881.
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