Insurance Built for the Road Ahead
ZSF Insurance protects owner-operators, fleets, and freight carriers across the United States with coverage designed specifically for the trucking industry.
Motor Truck Cargo
Freight & load protection
Primary Auto Liability
FMCSA-compliant coverage for every mile
Coverage Made for Truckers
Every policy we write is built around the real risks of operating a truck on US highways — whether you run one unit or a full fleet.
Primary Auto Liability
FMCSA-required liability coverage protecting you against third-party bodily injury and property damage claims while your truck is under dispatch.
Learn more →Physical Damage
Collision and comprehensive coverage for your truck and trailer — protecting your biggest asset from accidents, theft, fire, and weather events.
Learn more →Motor Truck Cargo
Covers the freight you haul against loss or damage in transit. Essential for carriers responsible for their shipper's goods.
Learn more →Non-Trucking Liability
Bobtail coverage that protects you when operating your truck for personal use or outside of dispatch — filling the gap your motor carrier's policy leaves.
Learn more →Trailer Interchange
Covers non-owned trailers in your care under a trailer interchange agreement, protecting you from physical damage liability.
Learn more →Occupational Accident
An affordable alternative to workers' comp for independent owner-operators, covering medical expenses, disability, and accidental death.
Learn more →We Speak Trucking
Trucking-Only Focus
We don't write homeowners or auto — only trucking. That means deeper carrier relationships, better rates, and faster approvals.
FMCSA Filing Experts
We handle MCS-90 filings, BOC-3 coordination, and state authority requirements so you stay compliant without the paperwork headache.
Same-Day Certificates
Need proof of insurance to haul a load today? We issue certificates of insurance the same day in most cases.
Owner-Operator Friendly
We understand the economics of running your own truck. We work hard to find you the coverage you need at a price that keeps you profitable.
Who We Insure
Every segment of the US trucking industry
Trusted by Truckers Across America
“ZSF got me insured and my MCS-90 filed in less than 24 hours. I called three other brokers and none of them could match the rate or the turnaround. These guys know trucking.”
“We run a fleet of 12 units and ZSF handles everything — liability, cargo, physical damage, occupational accident. One call, one broker, and they're always available when we need them.”
“After a load claim, ZSF's team jumped in and managed the whole process. We had a check in hand faster than any claim I'd seen in 15 years of hauling. Outstanding service.”
Ready to Hit the Road Protected?
Get a free truck insurance quote today. Our brokers are ready to find you the best rate for the coverage you actually need.