Your operation grew up. Did your insurance?
Too often it didn't — the program that fit your first truck is quietly still setting your rate. As your authority ages and your safety, loss, and ELD data build a real track record, the market opens up, and Marquee makes sure every clean mile shows up in your rate — across Great West and 30+ A-rated markets.
Renewal coming up? We'll re-shop your program across 30+ markets →
Your authority's age changes how you're priced
Underwriters price a three-year-old authority very differently than a brand-new one. Here's what builds as your authority ages — and where the right partner turns that track record into a lower rate.
Your CSA scores become a track record
New authorities start with a blank slate. As inspections and roadside data accumulate, your CSA BASICs become one of the first things every underwriter pulls — clean ones lower your rate and protect your access to good freight.
Your loss runs become your story
Once you have two to three years of loss history, your claims record drives your premium more than almost anything else. A clean, seasoned loss run is the single best rate you can earn — and we help you protect it.
More markets open up as you season
A brand-new authority is a hard placement — many carriers won't quote under their tenure minimums. Each clean year unlocks more of the 30+ A-rated markets we shop, and eventually doors like Great West that a new authority simply can't walk through.
Brokers and shippers vet you harder
As you chase better-paying freight, brokers check your authority age, safety scores, and insurance before they hand you a load. Bigger contracts also demand higher liability limits and often excess & umbrella coverage. A seasoned, verified carrier — Highway Certified and confirmed in real time — clears those checks fast and wins the freight a new authority can't.
Safety tech starts paying you back
Telematics and cameras don't just prevent claims — the longer they run, the more carriers like Great West reward the data your ELDs already capture, lowering premium and protecting you in a dispute.
Who you hire shows up in your rate
As you add drivers, underwriters weigh MVRs, experience, and turnover. A documented hiring and qualification process — and drivers who stay — is one of the clearest signals your authority is maturing into a lower-risk operation.
Highway Certified Agency
Verified the moment a broker looks you up
Freight-fraud crackdowns have made brokers cautious — and small fleets pay for it with slow onboarding and held loads. Because Marquee is a founding Highway Certified insurance agency, your coverage is verified directly inside Highway. Brokers see a trusted, fully-verified carrier from the very first search.
- Real-time insurance verification — no more chasing COIs
- Stand out from fraud and reduce double-brokering risk
- Faster broker approvals means quicker access to loads
- Auto Liability$1,000,000
- Motor Truck Cargo$150,000
- Insurer on fileMarquee Insurance Group
- Identity & authorityConfirmed
Illustrative example. Insurance placed through a Highway Certified agency is verified inside Highway’s carrier network.
Appointed with Great West — and 30+ A-rated markets behind it
Great West Casualty has insured trucking — and nothing else — since 1956, with an A+ (Superior) financial rating and a safety operation generalists can't match. You can't quote Great West online; it's sold only through appointed agents, and Marquee is one. For an authority that's put in the years, that's access to a carrier that treats insurance as a long-term safety partnership, not a yearly commodity.
- A dedicated safety & loss-control team — seminars, driver training, and on-site consultants that reduce accidents and earn renewal credits.
- 24/7 trucking-specific claims handled by people who know freight, cargo, and physical damage — not generalists.
- Telematics incentives that reward the safety data your ELDs and cameras already capture.
- And it's just one of 30+ A-rated markets we shop — so your authority stays competitively placed as it matures.
What moves your premium — up and down
Your rate isn't fixed — it's something you build. Here's what pushes it the wrong way, and the levers that bring it back as your authority matures.
What pushes it up
- At-fault losses. A few claims on your loss runs follow you for years and reset your pricing.
- Rising CSA scores. Out-of-service violations and bad inspections signal risk to every underwriter.
- Driver turnover. Green or unvetted drivers raise your exposure faster than almost anything.
- Longer radius & riskier freight. Expanding lanes and commodities changes how you're rated.
How to drive it down
- Run a documented safety program and engage your carrier's loss-control team for renewal credits.
- Add telematics and cameras — the data lowers premium and wins disputed claims.
- Screen and retain experienced drivers — clean MVRs and low turnover are gold to underwriters.
- Right-size deductibles and bundle coverages to take cost out without losing protection.
- Let us re-shop 30+ markets at renewal so your improvements actually show up in your rate.
A partner that compounds your track record
Trucking is all we do
We work exclusively with motor carriers, so we understand CSA scores, loss runs, and how authority age moves your rate — and how to make all of it work in your favor.
Great West & 30+ A-rated markets
We hold the appointments other agencies can't — including Great West — and shop your fleet across the market to keep you competitive.
A partner at every renewal
We re-shop your program, track your scores, and make sure every clean year shows up in your rate — so your maturing authority keeps earning you better terms.
We work with top A-rated carriers that reward the operators who run clean and stick around. As your authority matures, we make sure every clean mile and every safe year shows up where it counts — in your rate.
Tools to run a tighter, more profitable operation
Expense Calculator
Model cost-per-mile across your fleet and find where the margin hides.
Run the numbersInsurance Cost Guide
Understand every factor behind your fleet's premium — and how to move it.
Read the guideGrowth Partners
Factoring, fuel savings, load boards, and compliance — vetted partners to scale faster.
Meet our partnersManage Your Fleet
Request COIs, add units, handle billing and claims through our client services team.
Client servicesWhat carriers ask us most
Does my insurance get cheaper as my authority gets older?
Usually, yes — if you run clean. New authorities pay the most because there's no track record to price on. As your CSA scores, loss runs, and ELD data build over two to three years, underwriters have proof you're a lower risk, more markets open up, and we re-shop to make sure those improvements land in your rate.
How do my CSA scores affect my insurance?
Your CSA BASIC scores and roadside-inspection history are a direct signal to underwriters. Clean inspections and low scores lower your rate and keep brokers and shippers comfortable working with you; rising scores push your premium up. Staying on top of them is one of the highest-leverage things a carrier can do.
Why is being appointed with Great West a big deal?
Great West Casualty has insured trucking and nothing else since 1956, with an A+ (Superior) financial rating, a dedicated safety and loss-control department, and 24/7 trucking-specific claims. You can't quote them online — they sell only through appointed agents, and Marquee is one. For an authority that's earned it, that's access to a true long-term partner.
What does Highway Certified mean for me?
Marquee is a founding member of Highway's Certified Insurance Agency Network, so the coverage we place is verified in real time inside Highway. When a broker or shipper looks you up, your insurance confirms instantly — faster approvals, less chasing COIs, and a clear edge against the fraud and double-brokering that make brokers cautious about newer authorities.
Can I add or remove trucks mid-policy?
Yes. Active carriers add and drop units constantly, and we keep your coverage flexible so a new truck or driver can be added quickly without disrupting your program or your filings.
Do I need umbrella or excess coverage?
Often, yes. As your fleet and revenue grow, a single serious accident can blow past your primary limits, and many shippers and brokers now require higher limits. An excess or umbrella layer adds catastrophic protection affordably and can open up better contracts.
How can I lower my premium?
The biggest levers are clean loss runs, low CSA scores, experienced and retained drivers, and a documented safety program — telematics and cameras help on all fronts. We then re-shop 30+ A-rated markets so the improvements you make actually show up in your rate.
How do you help my fleet beyond the policy?
Beyond placing coverage, we connect you with vetted partners for factoring, fuel savings, load boards, and safety and compliance, and we re-shop your program at renewal to keep you competitively placed as you grow.
Ready to put your track record to work?
Enter your DOT number for a quote built on your authority's real track record — or talk to a specialist who'll shop Great West and 30+ A-rated markets for your best program.