America's Trusted Insurance Partner for Transportation & Logistics Businesses

Motor carriers that cross state lines must meet FMCSA requirements. You need a minimum of $750,000 in liability coverage, plus a BMC-91 filing that proves your insurance to the federal government. Cargo coverage is also required, with minimums that depend on the type of goods you transport.

Intrastate operators follow state-specific rules. California, Texas, and Florida each have different requirements. Champion Risk handles both federal and state filings. We make sure your coverage meets legal minimums and your certificates reach the right agencies.

Premiums depend on your fleet size, driving records, cargo values, and claims history. A small operation with two trucks might pay $8,000 to $15,000 per year. A larger carrier with ten trucks could pay $50,000 to $100,000 or more.

The best way to control costs is working with a broker who knows transportation insurance. We find carriers that specialize in your exact operation type. This often results in better rates than going direct or using a general agent who doesn't understand the industry.

A BMC-91 is a form your insurance company files with the FMCSA. It proves you carry the required liability coverage to operate as a for-hire motor carrier. Without an active BMC-91, your operating authority can be revoked.

Champion Risk works with carriers who file electronically. Your BMC-91 typically posts within 24 to 48 hours of binding coverage. We monitor your filing status and alert you if anything needs attention.

Yes. Storage facilities need warehouse legal liability coverage. This protects you when customer property is damaged or stolen while in your care. Standard general liability policies exclude this exposure.

You may also need property coverage for your building, equipment breakdown protection, and business income coverage if a fire or disaster shuts down operations. Champion Risk builds storage facility programs that address all these risks in one package.

Yes. We offer hired and non-owned auto coverage for delivery operations that use independent contractors or employees driving personal vehicles. This fills gaps that personal auto policies don't cover during commercial use.

We also provide occupational accident coverage for 1099 drivers who aren't eligible for workers' comp. This protects your drivers and limits your liability exposure when accidents happen.

Same day in most cases. Once we bind your policy, we issue certificates of insurance within hours. If your contract requires specific additional insured language or special endorsements, we coordinate directly with the carrier.

Rush requests happen often in this industry. General contractors and corporate clients demand certificates before they let you on site. Champion Risk prioritizes fast turnaround because we know your revenue depends on it.