Why We Love Working with 10-4 Trucking Insurance
When it comes to finding the best trucking insurance partner for our clients, 10-4 has quickly become a top choice here at Strong Insurance. Not only are they competitive on rates, but they also bring a deep understanding of the Midwest market, fast claims service, and a straightforward underwriting process that makes sense. Let’s dive into why we like them so much and what types of fleets they’re perfect for.
What 10-4 Does Best
10-4 is based in the Midwest, and that shows in the types of fleets they prefer to work with. They excel in covering agriculture-related commodities like seed, grain, hay, potatoes, and beets. Unfortunately, livestock hauling is not part of their appetite at this time. If you’re a livestock hauler, don’t worry, we have plenty of other great carrier options for you at Strong Insurance.
In addition to agricultural loads, 10-4 also performs very well with standard flatbed and dry van work. They prefer operations that are simple and clean-cut and tend to stay away from high-risk segments like oversize or overweight loads, auto haulers, and hotshot operations. They write policies only for class 8 trucks, so your fleet will need to be operating big rigs.
10-4 is a great fit for you if:
• You haul dry van, flatbed, or ag-related freight
• Your business has been around 2+ years
• You run class 8 trucks
• You have 1 to 50 power units (they’ll consider up to 100)
• Your drivers are between ages 23 and 65
Underwriting Guidelines You Should Know
10-4 does not hand out ultra-low rates to just anyone. They look for companies with some experience, clean(ish) claims history, and commodities they’re comfortable insuring. A single large loss in a five-year record may be okay, but frequent claims are a red flag.
One standout feature is their use of ELD data via Trucker Cloud. They’re not analyzing every little detail of your driving behavior, they just want to confirm that the number of trucks you’re insuring matches the number active on your ELDs. If you list 30 units and they see 46 on file, that raises questions. Still, the ELD connection usually results in a helpful discount, and we’ll guide you through the process.
A Local Connection with Big-Time Service
Since 10-4 is headquartered in Iowa and we’re in Nebraska, we’ve seen firsthand how well they understand the Midwestern trucking industry. Their team is responsive, friendly, and professional. We know everyone from the underwriters to the CEO. Most insurance carriers average two or three stars on Google. 10-4 has a 4.5-star rating, thanks to their fast and reliable claims handling.
A Stable and Trusted Risk Retention Group
We get it — RRGs (risk retention groups) make some fleets nervous. Plenty have popped up in recent years and disappeared just as fast. But 10-4 isn’t new. They’ve been in business for over 35 years and have built a strong reputation through strategic, long-term planning. This isn’t a startup trying to make a quick buck. They’ve earned our trust.
Let’s Get You a Quote
If you think your business is a good candidate for 10-4, let’s talk. Set up a time with one of our agents and we’ll walk you through the process. We’ll submit your information to 10-4 and a few other carriers to make sure you’re getting competitive rates without sacrificing coverage.
As always, if you want to keep learning about the trucking insurance world, follow Strong Insurance and keep it rubber side down.
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