Founded in 2010, family owned independent trucking insurance agency

State & Co Insurance is a family-owned independent insurance agency specializing in commercial trucking. We’ve been writing trucking policies since 2010, and trucking is all we do. We don’t sell homeowners insurance, life insurance, or small business packages on the side. Every policy we write, every claim we handle, and every renewal we negotiate is for someone who makes their living behind the wheel of a commercial truck.

Why We Started This Agency

Most trucking insurance content online comes from billion-dollar carriers running national ad campaigns. Most trucking insurance phone calls go to a call center where the person on the other end has never set foot in a truck yard. We started State & Co because truckers deserve better than that — they deserve an agent who understands the difference between a bobtail policy and non-trucking liability, who knows which carriers actually pay claims fast, and who picks up the phone when something goes wrong.

We’re an independent agency, which means we don’t work for any single insurance company. We work for you. When we quote your policy, we’re shopping multiple carriers to find the best combination of coverage, price, and claims service for your specific operation. When your rates go up at renewal, we go back to market and fight for better terms. That’s not something you get from a direct writer or a captive agent.

Who We Work With

We represent a broad range of commercial trucking insurance carriers, including:

• Northland Insurance
• Canal Insurance
• Crum & Forster
• Berkley Insurance
• Occidental / IAT Insurance
• Progressive
• GEICO Commercial
• Great West Casualty
• Berkshire Hathaway Homestate Insurance Company
• Carolina Casualty
• Incline Insurance
• National General
• Southlake Insurance
• Motor Transport Mutual
• Nirvana Insurance

This carrier diversity is the point. Different operations need different carriers. A new authority hauling dry van freight has completely different needs than a 20-truck fleet running refrigerated loads through the Northeast. Having access to 15+ markets means we can match you with the right carrier — not just the one carrier whose name we happen to have on the wall.

What We Cover

We provide the full range of commercial trucking insurance coverages: primary liability, physical damage, motor truck cargo, general liability, non-trucking liability, bobtail, occupational accident, umbrella and excess liability, and workers’ compensation. We also handle FMCSA filings, certificates of insurance, and endorsements — the paperwork that keeps your authority active and your loads moving.

Whether you’re an owner-operator under your own authority, leased to a motor carrier, or managing a fleet, we build your policy around your actual operation — not a one-size-fits-all template.

Where We Operate

We serve truckers across 33 states:

Southeast: Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Virginia

Midwest: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, Ohio, Oklahoma, Wisconsin

Northeast: Connecticut, Maryland, New Jersey, Pennsylvania

West: Alaska, California, Colorado, Nevada, New Mexico, Oregon, Texas, Utah

If your state isn’t listed, call us anyway. Our carrier relationships are expanding and we may be able to help or point you to someone who can.

What Makes State & Co Different

We don’t have a marketing department writing scripts for us. When you call State & Co, you talk to someone who understands trucking insurance because it’s the only thing we do — every day, for over 15 years.

We answer our phones. We return calls the same day. We don’t disappear after binding your policy and reappear 30 days before renewal. And when you have a claim, we go to bat for you with the carrier because our relationship with you matters more than our commission on any single policy.

If you’re looking for trucking insurance from people who actually know trucking, get a quote from State & Co or give us a call.