Coverage Built for the Miles You Run.
From single-truck owner-operators to growing fleets, Smart Options matches your operation to the right protection — and shops top-rated carriers to get you there at the best price.
- FMCSA filings handled — MCS-90, BMC-91 & state filings
- Primary liability, cargo, physical damage & non-trucking liability
- 20+ years protecting transportation businesses
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Fast, no-obligation. A licensed agent responds same business day.
Protection for Every Mile and Every Load
The transportation industry is broad — what you haul, where it goes, and how it gets there all change the risk. We build a program around your operation instead of forcing you into a one-size policy.
Primary Liability
Meets FMCSA and state requirements for bodily injury and property damage you're legally responsible for on the road.
Physical Damage
Repairs or replaces your tractor and trailer after collision, fire, theft, or vandalism — for single trucks or full fleets.
Motor Truck Cargo
Covers the freight you're hauling against loss or damage, with limits matched to high-value loads and theft risk.
Non-Trucking Liability
Protects leased-on owner-operators when driving without a dispatch — the gaps a motor carrier policy leaves open.
Trailer Interchange
Coverage for trailers in your care under an interchange agreement that you don't own outright.
General Liability & Workers' Comp
Protects your terminal, employees, and the business end — plus logistics, cyber, and EPLI coverage where it fits.
One Truck or a Hundred — We've Got a Market
A company hauling one load a short distance has very different needs than a fleet moving high-value freight cross-country. We tailor coverage to your exact operation.
Specialized Insurance That Gets to the Heart of Your Business
Interstate, intrastate, and intercontinental hauls each carry their own exposures. Because we're independent, we compare top-rated transportation carriers and build a program around what you actually do — not a generic template.
From physical damage on your own equipment to fleet programs, cargo theft protection, and logistics coverage for when a shipment is delayed or a connection is missed, we cover the road ahead and the business behind it.
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Our Experience. Your Advantage.
We Work for You
Independent agents who compare top-rated carriers to land the right coverage at the best price.
Experience That Delivers
Over two decades protecting transportation businesses, families, and companies across the country.
Personalized Support
We take time to learn your operation and explain options clearly — no jargon, no pressure.
Licensed Across States
Serving clients in Arizona, California, Indiana, Michigan, Oregon, and Wisconsin.
Trucking Insurance Where You Operate
Headquartered in Peoria, Arizona and licensed to serve transportation businesses across six states. Wherever your routes run, a licensed Smart Options agent is ready to help.
Local roots in the Phoenix metro — Peoria, Glendale, Surprise, Scottsdale, Avondale, and the greater Maricopa County area — with the reach to cover your interstate routes.
Trucking Insurance FAQ
What insurance do truckers legally need?
Do you insure owner-operators and small fleets?
What does motor truck cargo insurance cover?
What is non-trucking (bobtail) liability?
Which states does Smart Options serve?
Insurance Should Give You Confidence, Not Confusion.
Our friendly team helps you find the right protection — quickly, clearly, and stress-free.
14050 N 83rd Avenue, Suite 290, Peoria, AZ 85381
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Tell us about your operation — we'll do the rest.