Commercial Insurance ·
Transportation
Transportation Insurance Built for the Complexity of the Road
Specialized commercial transportation insurance for fleet operators, freight carriers, and logistics companies across Pittsburgh, Western PA, and the Mid-Atlantic region.
Your risk profile isn't standard. Neither is our approach.
When your exposures include auto liability, cargo, regulatory filings, and a workforce behind the wheel, you need more than a standard commercial policy. You need an independent broker who knows the transportation market and can access the carriers that want your business.
Why This Requires Expertise
Transportation Insurance Is Not Standard Commercial Coverage
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Transportation businesses operate under a layered risk profile that generalist brokers routinely underestimate. A freight carrier hauling regulated cargo across state lines must satisfy FMCSA filing requirements, maintain active MCS-90 endorsements, and carry motor truck cargo coverage structured to the specific commodities in transit, all while managing workers' compensation exposures for a workforce whose injury rate is among the highest of any commercial sector. Layered on top: fleet auto liability across owned, hired, and non-owned vehicles; general liability for terminal and warehouse operations; and the DOT insurance requirements that govern interstate commerce. The result is a coverage architecture that demands specialist knowledge of both program design and the admitted and non-admitted carrier markets willing to write transportation risk at meaningful limits. Simpson | McCrady has placed exactly this kind of coverage for more than 100 years, for the fleet operators, carriers, and logistics companies that keep Western Pennsylvania and the Mid-Atlantic region moving.
What We Cover
Commercial Transportation Insurance Coverage We Place
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Our Approach
Independent. Accountable. In Your Corner at Every Renewal.
Simpson | McCrady does not represent a single carrier. As an independent broker with more than 100 years of placement experience, we access the full spectrum of admitted and non-admitted markets that write commercial transportation risk, including specialty carriers whose appetite, pricing, and coverage terms are unavailable through direct channels or consolidator networks. That independence matters most when conditions tighten: for a fleet operator facing a difficult renewal after a loss year, or a freight carrier expanding into new lanes that trigger additional FMCSA filing requirements, we can go to the markets that want your business and negotiate from a position of genuine market knowledge rather than preferred-carrier obligation.
Our process begins with a thorough risk assessment: fleet composition, operating radius, cargo types, driver qualification history, loss runs, and DOT compliance posture. We use that picture to build a coverage program for your actual exposures, not a packaged product designed for the average transportation account, and to present your risk to underwriters in the clearest possible terms. The difference in premium and coverage terms between a well-prepared submission and a generic one is measurable. That preparation is where our value is most visible.
Through the full policy lifecycle, we stay actively involved: monitoring renewals, advocating on claims, tracking regulatory changes that affect your FMCSA filings, and adjusting coverage as your fleet and operations grow. Our commercial transportation clients in Western PA and across the Mid-Atlantic typically stay with us for years, not because switching is difficult, but because this level of sustained advocacy is genuinely hard to replace.
Firm Credentials
The Depth Behind Your Coverage
One straightforward conversation is all it takes to understand where your coverage stands, and where it should be. Protecting Tomorrow Today.
Prefer to call? 412-261-2222 · info@simpson-mccrady.com