Will you write a new venture?

Yes, when the owner or drivers bring verifiable class experience and clean MVRs. Include driver history with the submission.

What radius classes do you support?

Local, intermediate and long-haul are all in appetite. Radius and commodity drive carrier selection more than unit count.

How current do loss runs need to be?

Loss runs up to 5 years, if possible, or no-loss letter.

What states does INVO target for trucking and fleet submissions?

Target states are Arkansas, Mississippi, Alabama, Tennessee, Kentucky, North Carolina, South Carolina and Florida. Within those states the division focuses on regional hot shots, dirt, sand and gravel haulers, regional dry van and regional flatbed operations running 1 to 50 power units. If your account sits outside the target footprint, email transportation@invounderwriting.com with a short description of operations before building a full submission.

What do I need to send for a trucking submission to INVO?

Five items: the INVO Trucking Application, a vehicle schedule listing every unit with VIN, value, radius and commodity hauled, the full driver list, MVRs for each driver, and loss runs for up to 5 years or a no-loss letter. Missing MVRs are the top cause of delay. Flag new ventures up front and note verifiable prior class experience so the underwriter can route the file correctly.

Commercial Division

Transportation

Trucking, fleets and specialty auto

Transportation Underwriter — For-Hire Fleets

Caitlyn Gardner

865-425-1033 caitlyn.gardner@invounderwriting.com

Transportation Underwriter — Commercial Auto / Not-for-Hire

Molly Decker

865-482-8149 molly.decker@invounderwriting.com

Agents must be appointed with INVO to receive commission on submitted or bound accounts.

Commercial tractor-trailer hauling freight on an open highway

What rolls through this division

Appetite at a glance

Regional hot shots
Dirt, sand and gravel risks
Regional dry van risks
Regional flatbed risks
Target states: AR, MS, AL, TN, KY, NC, SC, FL
Local, intermediate and long-haul trucking, 1–50 power units
Motor truck cargo, trailer interchange and physical damage
Non-trucking liability and owner-operator programs
New ventures with qualifying driver experience

Products

What we write in this division

Choose the tile that best fits the account. Each product lists the coverages available and exactly what to attach so we can quote on the first pass. If nothing fits, use the general submission tile and our team will route it.

Primary

For-Hire Transportation

Trucking risks hauling for hire — local, intermediate and long-haul radius.

Auto Liability
Cargo
Physical Damage
General Liability

Eligibility highlights

1–50 power units
Local, intermediate and long-haul radius
New ventures with verifiable driver experience

Send with the submission

INVO Trucking application (fillable)
Vehicle schedule
Drivers list with MVRs
Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submission Supplemental form Submit electronically

Primary

Commercial Fleet (Not For Hire)

Business-owned fleets used in operations rather than hauling for hire.

Auto Liability
Physical Damage

Eligibility highlights

Business-owned units used in operations
Contractor, service and delivery fleets
Clean MVRs on all listed drivers

Send with the submission

Appropriate ACORD Application
Vehicle schedule
Drivers list with MVRs
Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submission Supplemental form

Catch-All

Transportation General Submission

Anything transportation-related that doesn't fit a specific product tile.

Send with the submission

Appropriate ACORD Application
Loss runs up to 5 years, if possible, or no-loss letter
Description of operations

Response time: 1 business day

Start submission

Ancillary

Motor Truck Cargo

Cargo coverage for commodities in transit.

Cargo

Send with the submission

MTC Information Sheet 2026 (Tysers supplement)
Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submission Supplemental form

Ancillary

Physical Damage

Comprehensive and collision on power units and trailers.

Physical Damage

Send with the submission

APD Information Sheet 2026 (Tysers supplement)
Vehicle schedule with stated values
Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submission Supplemental form

Ancillary

Trucking General Liability

Premises and operations liability for trucking and warehousing risks.

General Liability

Send with the submission

Appropriate ACORD Application
Loss runs up to 5 years, if possible, or no-loss letter
Description of operations

Response time: 1 business day

Start submission

Ancillary

Trucking Workers' Compensation

Workers' comp written alongside a trucking auto program.

Workers' Compensation

Send with the submission

Appropriate ACORD Application
Loss runs up to 5 years, if possible, or no-loss letter
Experience mod worksheet when available

Response time: 1 business day

Start submission Supplemental form

The market in your state

Truck transportation in Tennessee, by the numbers

Public U.S. Census Bureau counts for NAICS 484, the industry this division writes most. Use them to size the opportunity before you prospect, then search INVO's appetite for the class.

Establishments: 2,696
Employees: 64,751
Annual payroll: $3.5 billion
Counties with activity: 87

Largest counties by establishments: Shelby (447 establishments, 12,988 employees); Davidson (289 establishments, 9,205 employees); Hamilton (165 establishments, 7,368 employees).

Source: U.S. Census Bureau, County Business Patterns 2021, retrieved 2026-10-05 from api.census.gov. Payroll is the Census annual payroll figure for the year shown; it is not a premium estimate.

Search Tennessee markets for trucking

Questions