Classes
we serve
Engineering Insurance Solutions for the Transportation Industry
At RTA, we specialize in underwriting for high-impact transportation sectors—from heavy-duty freight carriers to urban contractors and everything in between. As the MGA we support a wide range of business classes and vehicle types operating across the U.S.
classes
we serve
Engineering Insurance Solutions for the Transportation Industry
At RTA, we specialize in underwriting for high-impact transportation sectors—from heavy-duty freight carriers to urban contractors and everything in between. As the MGA we support a wide range of business classes and vehicle types operating across the U.S.
commercial
auto classes
We Power
General Freight & Long-Haul Trucking
Inland transportation of general commodities by for-hire carriers across regional or national routes. Fleets often operate Class 7–8 tractors, dry vans, or flatbeds.
Vehicle Types: Day cabs, sleeper cabs, and trailers with GVWR over 26,000 lbs
Risks: Long hours, driver fatigue, physical and mental health
Coverage Focus: Auto Liability to cover your responsibilities in at-fault accidents, UM/UIM coverage to protect your driver in not-at-fault accidents, Personal Injury Protection for drivers’ medical expenses, and Physical Damage coverage for your trucks and trailers
General Freight & Long-Haul Trucking
Inland transportation of general commodities by for-hire carriers across regional or national routes. Fleets often operate Class 7–8 tractors, dry vans, or flatbeds.
Vehicle Types: Day cabs, sleeper cabs, and trailers with GVWR over 26,000 lbs
Risks: Long hours, driver fatigue, physical and mental health
Coverage Focus: Auto Liability to cover your responsibilities in at-fault accidents, UM/UIM coverage to protect your driver in not-at-fault accidents, Personal Injury Protection for drivers’ medical expenses, and Physical Damage coverage for your trucks and trailers
Last-Mile Delivery (under 26,000 lbs)
Short-distance delivery operations serving residential and commercial areas. Operators typically run Class 2–5 vans and box trucks.
Vehicles: Sprinter vans, step vans, box trucks under 26,000 lbs
Key Risks: Urban traffic, frequent stops
Coverage Focus: tailored for local delivery operations—including Auto Liability for at-fault accidents, UM/UIM to protect drivers in non-fault incidents, Personal Injury Protection for medical expenses, and Physical Damage coverage for your vehicles
Last-Mile Delivery (under 26,000 lbs)
Short-distance delivery operations serving residential and commercial areas. Operators typically run Class 2–5 vans and box trucks.
Vehicles: Sprinter vans, step vans, box trucks under 26,000 lbs
Key Risks: Urban traffic, frequent stops
Coverage Focus: tailored for local delivery operations—including Auto Liability for at-fault accidents, UM/UIM to protect drivers in non-fault incidents, Personal Injury Protection for medical expenses, and Physical Damage coverage for your vehicles
Machinery & Heavy Equipment Hauling
Specialized haulers transporting oversized or overweight equipment. These operators handle some of the largest vehicles on the road.
Vehicles: Class 7–8 heavy-duty tractors equipped with lowboys and extendable trailers
Key Risks: Oversized and overweight loads, limited maneuverability, and elevated repair costs due to specialized equipment
Coverage Focus: Auto Liability for at-fault accidents, UM/UIM to protect drivers in non-fault incidents, Personal Injury Protection for medical expenses, and Physical Damage coverage for specialized trucks and trailers handling oversized or overweight loads
Machinery & Heavy Equipment Hauling
Specialized haulers transporting oversized or overweight equipment. These operators handle some of the largest vehicles on the road.
Vehicles: Class 7–8 heavy-duty tractors equipped with lowboys and extendable trailers
Key Risks: Oversized and overweight loads, limited maneuverability, and elevated repair costs due to specialized equipment
Coverage Focus: Auto Liability for at-fault accidents, UM/UIM to protect drivers in non-fault incidents, Personal Injury Protection for medical expenses, and Physical Damage coverage for specialized trucks and trailers handling oversized or overweight loads
Hotshot & Expeditor Trucking
Owner-operators or small fleets handling urgent deliveries with non-CDL equipment. These drivers often operate with flexible dispatch models.
Vehicles: 1-ton pickups with trailers and Class 3–5 medium-duty trucks
Key Risks: Increased accident exposure from frequent stops, driver error, and load securement issues
Coverage Focus: Auto Liability for at-fault accidents, UM/UIM to protect drivers in non-fault incidents, and Personal Injury Protection for medical expenses—designed to support the fast-paced, time-sensitive nature of hotshot and expeditor services
Hotshot & Expeditor Trucking
Owner-operators or small fleets handling urgent deliveries with non-CDL equipment. These drivers often operate with flexible dispatch models.
Vehicles: 1-ton pickups with trailers and Class 3–5 medium-duty trucks
Key Risks: Increased accident exposure from frequent stops, driver error, and load securement issues
Coverage Focus: Auto Liability for at-fault accidents, UM/UIM to protect drivers in non-fault incidents, and Personal Injury Protection for medical expenses—designed to support the fast-paced, time-sensitive nature of hotshot and expeditor services
Towing & Recovery
Operators providing roadside recovery and towing services—from light-duty to heavy rotator operations.
Vehicles: Wreckers, rollbacks, and rotators (Class 3–7)
Key Risks: Accident exposure during roadside operations and high-traffic work zones
Coverage Focus: Auto Liability during recovery work, PIP and UM/UIM coverages to protect drivers
Towing & Recovery
Operators providing roadside recovery and towing services—from light-duty to heavy rotator operations.
Vehicles: Wreckers, rollbacks, and rotators (Class 3–7)
Key Risks: Accident exposure during roadside operations and high-traffic work zones
Coverage Focus: Auto Liability during recovery work, PIP and UM/UIM coverages to protect drivers
Debris Removal / Waste Hauling
Operators transporting construction debris, municipal waste, or recyclable materials—often in stop-and-go urban or jobsite environments
Vehicles: Roll-offs, front-loaders, and dump trucks (Class 6–8)
Key Risks: Frequent backing and tight navigation, equipment tip-overs, hydraulic failures, and exposure to hazardous materials
Coverage Focus: Auto Liability for incidents on jobsites and public roadways, PIP for driver injuries, and UM/UIM to protect against not-at-fault accidents in unpredictable traffic conditions
Debris Removal / Waste Hauling
Operators transporting construction debris, municipal waste, or recyclable materials—often in stop-and-go urban or jobsite environments
Vehicles: Roll-offs, front-loaders, and dump trucks (Class 6–8)
Key Risks: Frequent backing and tight navigation, equipment tip-overs, hydraulic failures, and exposure to hazardous materials
Coverage Focus: Auto Liability for incidents on jobsites and public roadways, PIP for driver injuries, and UM/UIM to protect against not-at-fault accidents in unpredictable traffic conditions
Refrigerated Goods Hauling
Operators transporting temperature-sensitive freight, including food, pharmaceuticals, and other perishables.
Vehicles: Reefer trucks and refrigerated trailers (Class 6–8)
Key Risks: Temperature control failure, delivery delays, and equipment breakdowns
Coverage Focus: Auto Liability for transit incidents, PIP for driver injuries, UM/UIM in high-risk corridors, and Physical Damage for specialized refrigerated units
Refrigerated Goods Hauling
Operators transporting temperature-sensitive freight, including food, pharmaceuticals, and other perishables.
Vehicles: Reefer trucks and refrigerated trailers (Class 6–8)
Key Risks: Temperature control failure, delivery delays, and equipment breakdowns
Coverage Focus: Auto Liability for transit incidents, PIP for driver injuries, UM/UIM in high-risk corridors, and Physical Damage for specialized refrigerated units
Business Auto
Commercial auto coverage for businesses using vehicles as part of daily operations—without operating as for-hire motor carriers. This includes service, sales, contracting, and professional fleets.
Vehicles: Sedans, SUVs, pickup trucks, vans, and light box trucks used for business purposes (Class 1–6)
Key Risks: High-frequency urban driving, employee drivers, distracted driving exposure, jobsite and parking lot incidents, and inconsistent driver usage patterns
Coverage Focus: Auto Liability to address at-fault accidents involving third parties, UM/UIM to protect drivers in not-at-fault incidents, PIP for medical expenses, and Physical Damage coverage to protect company-owned or leased vehicles essential to business operations
Business Auto
Commercial auto coverage for businesses using vehicles as part of daily operations—without operating as for-hire motor carriers. This includes service, sales, contracting, and professional fleets.
Vehicles: Sedans, SUVs, pickup trucks, vans, and light box trucks used for business purposes (Class 1–6)
Key Risks: High-frequency urban driving, employee drivers, distracted driving exposure, jobsite and parking lot incidents, and inconsistent driver usage patterns
Coverage Focus: Auto Liability to address at-fault accidents involving third parties, UM/UIM to protect drivers in not-at-fault incidents, PIP for medical expenses, and Physical Damage coverage to protect company-owned or leased vehicles essential to business operations
What our members say
"Getting our trucks insured used to be a hassle. With RTA, everything was fast, clear, and tailored to how we actually operate. STAR Mutual gave us coverage we trust."
Derrick J., Fleet Owner, Tennessee
01 / 05
What our members say
"Getting our trucks insured used to be a hassle. With RTA, everything was fast, clear, and tailored to how we actually operate. STAR Mutual gave us coverage we trust."
Derrick J., Fleet Owner, Tennessee
01 / 05
What our members say
"Getting our trucks insured used to be a hassle. With RTA, everything was fast, clear, and tailored to how we actually operate. STAR Mutual gave us coverage we trust."
Derrick J., Fleet Owner, Tennessee
01 / 05
built on partnerships.
geared for growth.
At RTA, we don’t follow trends—we set the new standard in transportation insurance.
Every insurance program we develop is guided by underwriting discipline, operational efficiency, and a long-term growth strategy for the transportation professionals and agencies we serve.
Our technology-driven processes support faster quoting, streamlined policy servicing, and scalable program management—helping businesses stay focused on the road ahead.
built on partnerships.
geared for growth.
At RTA, we don’t follow trends—we set the new standard in transportation insurance.
Every insurance program we develop is guided by underwriting discipline, operational efficiency, and a long-term growth strategy for the transportation professionals and agencies we serve.
Our technology-driven processes support faster quoting, streamlined policy servicing, and scalable program management—helping businesses stay focused on the road ahead.
built on partnerships.
geared for growth.
At RTA, we don’t follow trends—we set the new standard in transportation insurance.
Every insurance program we develop is guided by underwriting discipline, operational efficiency, and a long-term growth strategy for the transportation professionals and agencies we serve.
Our technology-driven processes support faster quoting, streamlined policy servicing, and scalable program management—helping businesses stay focused on the road ahead.