Sentry Insurance offers a specialized commercial trucking insurance program designed for for-hire motor carriers, private fleets, and owner-operators who prioritize safety. As a featured product provider for the American Trucking Associations (ATA), Sentry caters to established trucking businesses, ranging from small fleets to larger operations, by offering tailored coverage, in-house claims handling, and proactive risk management resources.
Sentry Trucking Program Appetite Guide
Sentry’s underwriting appetite focuses on carriers that demonstrate a strong commitment to safety and compliance.
- Target Risks:
- For-hire and private motor carriers.
- Owner-operators.
- Small to large fleets.
- Intermodal freight transporters.
- General freight haulers.
- Temperature-sensitive (reefer) freight.
- Flatbed and heavy equipment haulers.
- Specialty over-dimensional freight.
- Preferred Safety Profile:
- Carriers with a proactive safety culture.
- Fleets that utilize telematics (e.g., TruckerCloud) for safety monitoring.
- Applicants with, or willing to adopt, strict driver hiring standards (e.g., 3+ years experience, minimal violations).
- Capacity: Generally aims to provide up to $2M net limits, with options for higher limits through reinsurance partners.
Ideal Customer Profile
The ideal Sentry trucking customer is not just looking for a low-cost policy, but a partner to help manage risk over the “long haul”.
- Safety-Focused: The client actively works to reduce risks, holds high safety standards, and utilizes or is open to using safety technology (dashcams,ELDs).
- Established: While they serve various sizes, they often target well-run, established businesses.
- Safety-Conscious Driver Hiring: The client follows or exceeds FMCSA guidelines, conducting thorough MVR and clearinghouse checks.
- Desire for Specialized Service: The client wants to work with insurance professionals who understand trucking-specific exposures and in-house claims adjusters who specialize in transportation.
Key Program Features
- Coverages: Auto liability, physical damage, motor truck cargo, general liability, and workers’ compensation.
- Safety Services: Access to safety specialists and resources to improve safety ratings.
- Claims Handling: In-house claims team specialized in truck claims, aiming for faster, fair resolution.
- Discounts: Potential for up to a 5% premium discount when partnering with telematics providers like TruckerCloud.