Belmont Assurance Agency's Commercial Insurance practice brings together the specialized programs our business clients need most often: alternative risk programs such as captives and large deductibles, commercial property coverage for owned or leased locations, and construction insurance for contractors of every size.
Each program is built around the way you operate, with carriers selected for their appetite, financial strength, and claims performance. Explore the three sub-sections below to see how we tailor coverage to your industry.
Auto Liability / Primary Liability
From New Ventures to Large Fleets
We design Auto Liability programs across the full lifecycle of a trucking operation:
New Ventures & Small Fleets (1–24 units)
Structured placement with startup-friendly markets, compliant driver criteria, and scalable policy architecture.
Mid to Large Fleets (25–1,000+ units)
Custom underwriting strategies, including specialized fleet platforms, carrier negotiations, and program-level structuring for stability and long-term renewability.
Coverage Structure
Scheduled or program-based approaches aligned with operational reality, VIN management, and real-time compliance requirements.
Motor Truck Cargo
All Freight Classes. All Operational Models.
We place cargo coverage tailored to commodity, contract requirements, and loss profile:
- General Freight / Amazon-Compliant
- Trailer Interchange
- Postal / Mail Transport (incl. contract-based operations)
- Reefer (temperature-controlled)
- Flatbed / Conestoga / Specialized Equipment
- Auto Hauling (car carriers)
- Livestock / Animal Transportation
- Waste / Scrap / Debris Hauling
- High-Value, Time-Sensitive, Hazardous Loads
Physical Damage (Comprehensive & Collision)
Asset Protection Built Around Your Operation
We structure Physical Damage coverage to protect your equipment, satisfy lender requirements, and support your fleet's growth.
Programs are designed from scheduled policies for smaller fleets to program-based structures for larger operations, based on your TIV and operational scale.
We ensure full compliance with finance and leasing companies, including proper loss payee setup, required deductibles, and continuous coverage to avoid contract violations.
Coverage includes collision, theft, weather-related losses, and non-collision damage across tractors, trailers, and specialized equipment.
Policies are also structured with appropriate towing and recovery limits, reflecting real-world claim scenarios and minimizing out-of-pocket exposure.
Our approach balances deductible strategy, premium efficiency, and risk tolerance — ensuring your assets remain protected, compliant, and operational.
General Liability
Protection beyond the road exposure.
- Required by Amazon and most major shippers.
- Covers third-party bodily injury and property damage outside of auto liability scope.
- Critical for contracts, shippers, and facilities access.
- Structured to align with your operational footprint (yard, loading/unloading exposures, etc.)
Workers' Compensation
Statutory Coverage for Employees
- Required in most jurisdictions for employee drivers and staff.
- Structured in compliance with state laws and classification codes.
- Integrated with payroll, audits, and loss control strategy.
Occupational Accident (OCC/ACC)
Alternative Coverage for Owner-Operators
- Designed for independent contractors not covered under Workers' Compensation.
- Covers medical expenses, disability, and accidental death arising out of work-related injuries.
- Structured to meet contractual requirements while controlling cost.
Excess / Umbrella Liability
For High-Limit Requirements
- Extends limits above Auto Liability, GL, and other primary lines.
- Required for large contracts, brokers, and high-exposure operations.
- Structured to satisfy shipper/broker requirements and protect against catastrophic losses.
Specialty & State-Specific Coverages
Compliance and Contract Coverage
Oregon Bonds & State Filings
Required state-specific surety and filing compliance.
Brokerage Bonds
Freight broker surety bonds to meet FMCSA requirements.
Non-Trucking Liability (NTL)
Coverage for owner-operators when not under dispatch.
Hired & Non-Owned Auto (HNOA)
Protection for rented or employee-owned vehicles used for business.