Small/Mid-Fleet Trucking

Protective Advantage is a national trucking program, distributed through a select group of retail brokers, offering coverage to motor carriers with up to 24 units.

Contact Us

Protective Advantage


AmWINS Transportation Underwriters (ATU) is pleased to offer a national trucking program, Protective Advantage, in exclusive partnership with Protective Insurance. The program, which is distributed through a select group of retail brokers, targets motor carriers with up to 24 units and offers forms and coverages designed specifically for the trucking industry. The seasoned underwriting team, based in Atlanta, GA, has more than 40 years of combined industry experience and supports this product with best-in-class service.

Rely on AmWINS Transportation Underwriters' expertise to deliver the small to mid-fleet trucking insurance solution you need.

Product Highlights

  • Coverage underwritten by Protective Insurance, an A.M. Best “A IX” rated admitted carrier
  • Ability to package Auto Liability, Physical Damage, Motor Truck Cargo and General Liability coverages
  • Prompt issuance of regulatory filings
  • Competitive premiums and coverages
  • Reporting form and installment payment options
  • Online risk engineering resources
  • Multiple deductible options
  • Claims handling by experts with 80+ years of industry experience


Eligible Exposures

  • For-hire trucking companies
  • Current availability for one to 24-unit risks with no radius restrictions
  • Dry van, flatbed, intermodal/container, and refrigerated commodity haulers
  • 100% of operations must be related to and typical of the transportation of goods
  • Must be domiciled in the United States
  • Minimum two years in business operating under current DOT number with two years verifiable loss experience


Prohibited Commodities

  • “Hot-shot” operations
  • Logging field exposure
  • Moving and storage operations
  • Oilfield and/or fracking well site exposure
  • Towing/wrecker operations
  • Transportation of passengers for-hire
  • Drive-away operations
  • Waste disposal
  • “White Glove” delivery services
  • “Conditional” and “unsatisfactory” DOT-rated carriers


Coverage Features

  • Automobile Liability
  • Auto Physical Damage
  • UM/UIM, Med Pay and Statutory No Fault
  • General Liability
  • Motor Truck Cargo
  • Auto Pollution liability - CA9948 (check for availability)
  • Blanket Additional Insured endorsement (check for availability)
  • Blanket Waiver of Subrogation endorsement (check for availability)
  • Excess Liability and Umbrella coverages available through alternative markets



  • Countrywide, including the District of Columbia 



  • Completed ATU Protective Advantage supplemental application
    • Please note industry standard applications will not be accepted in lieu of Protective Advantage supplemental application
  • Complete vehicle list with Stated Amounts in lieu of Cost New and unit-specific garaging addresses
  • Complete driver list with dates-of-birth and years-of-experience
  • MVRs for each driver
  • Four years of company-issued loss runs dated within 60 days from the expiration date of the policy
  • A complete list of all commodities (if not already included on Protective Advantage supplemental application)
  • International Fuel Tax Assessment (IFTA) mileage reports for the most recent four quarters

Related Products

Environmental Transportation