Trucking

Line of Blue Trucks

Customized insurance coverage for every trucking operation, from a single truck to a nationwide fleet.

Trucking companies are facing volatility on every front — claims, litigation, regulation, and cost pressure.

As trucking companies navigate this environment, they need more than transactional insurance placement, they need specialists who understand their industry and can advocate for them at every stage of risk.

Our specialist Trucking Practice brings together deep sector expertise across insurance placement, risk advisory, claims advocacy, and fleet safety, all within a single, dedicated team. We work with operators of all sizes and models: private fleets, for-hire carriers, owner-operators, dedicated contract carriage, drayage, intermodal, and last-mile delivery. Whatever the operation, our approach is the same. Hands-on, technically strong, and built around your risks. Strong market relationships, real-world trucking experience, and data-driven insights, all focused on one outcome: less volatility, lower costs, and a business that keeps moving.

Our focus is simple: protect performance, strengthen resilience, and help trucking businesses keep moving — today and for the long term.

Trucking insurance coverages & solutions:

• Auto liability (primary & excess)
• CGL
• WC
• Employer’s liability
• Excess liability
• Motor truck cargo
• Contingent motor truck cargo
• Auto physical damage
• Trailer interchange
• Cyber
• EPLI
• Management liability
• Property
• Warehouse legal liability
• Delay coverage
• Errors and omissions
• Shipper’s interest/“all-risk”
• Third-party liability/contingent auto
• Independent contractor programs
• Occupational accident
 

Additional insurance coverages recommended for trucking companies:

• Alternative risk transfer/captive (group, single parent, and RRG)
• Crime
• Foreign programs
• Health and benefits
• Kidnap and ransom
• Terrorism
 

Other trucking & transportation solutions that are important for your industry

  • Red truck on highway

    Cross-border

    Specialized coverage to address the complex risks of moving goods across international borders.

  • Man with box

    Last mile / final Mile

    Liability insurance designed to protect vehicles and cargo through the final mile of delivery.

  • Two construction workers looking at a clipboard

    Safety & risk control

    Technology‑driven, proactive safety and risk control strategies designed to reduce accidents, ensure regulatory compliance, improve loss performance, and lower overall cost of risk.

Other Howden capabilities that are important for your industry

  • Construction insurance program design

    Structuring insurance around contracts and project delivery, including coordinating across parties and incorporating environmental exposures within programs as needed.

  • Battersea Power Station with cranes

    Claims advocacy

    Active involvement in construction liability insurance claims, working with carriers and legal teams to manage disputes and improve outcomes.

  • Modern glass office blocks

    Independent advisory and market access

    Objective advice and flexible placement with insurers across global construction markets.

Ready to talk?

Connect with Howden advisor to review your trucking insurance program and project risks. Meet our Trucking team:

  • Photo of Patrick Thomas

    Patrick Thomas

    Managing Director, Trucking
    Photo of Patrick Thomas

    Patrick Thomas

    Managing Director, Trucking

    Patrick Thomas is Managing Director, Trucking at Howden U.S., bringing a near lifelong connection to the trucking industry and more than 18 years of experience across insurance brokerage, finance, and commercial risk advisory.

    Patrick has built his career supporting trucking clients through multiple market cycles, including periods of significant economic disruption and shifting macroeconomic pressures. He believes the true value of insurance is proven during challenging moments—by showing up for clients, advocating on their behalf, and anticipating risk before it materializes. He often describes effective insurance and risk strategy as GPS for trucking businesses: enabling smarter decisions, navigating uncertainty, and keeping operations on course.

    Prior to joining Howden, Patrick held senior leadership roles within the brokerage sector, including serving as president of an independent insurance brokerage and later as a regional managing partner. Earlier in his career, he worked as a sampling executive in the research sector, bringing a data‑driven perspective to his commercial expertise. His background includes longstanding experience advising middle‑market and specialty clients on risk strategy, coverage design, and long‑term resilience.

    Patrick holds dual bachelor’s degrees in Finance and Business Management from City, University of London and the University of San Francisco. At Howden, he is focused on building a leading U.S. Trucking practice, serving motor carriers, owner-operators, fleets, and logistics providers. He will work closely with Howden’s retail and specialty teams to deliver tailored risk, insurance, and advisory solutions to clients across the trucking ecosystem.

Speak to our Trucking Risk and Insurance team today

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