Tennessee's Wholesale Trucking Insurance Partner — Built for OTR, Intermodal, and the Freight Corridors That Run Through Both
Tennessee sits at the center of American freight — and the agents who write here know that "standard market" and "Tennessee trucking" rarely belong in the same sentence. From the OTR carriers running coast-to-coast routes out of Nashville to the intermodal and distribution operations stacked along the Memphis logistics corridor, this is a state where the risk profiles are complex, the exposures are real, and the accounts need a wholesale partner who actually knows what they're looking at. Partnersure is a wholesale trucking insurance broker focused exclusively on transportation — E&S programs, no generalist filler, and a relationship-driven appointment model that means your accounts get underwriter attention, not a ticket number.
50–100+ Combined Years in Transportation Insurance
Nationwide Appointments — All 50 States
Non-Overlapping Regional Territory Structure
E&S / Surplus Lines Placement — Specialized Markets Only
Financing Available on Qualifying Accounts
Two Markets, One State — and Both Demand E&S Placement
Tennessee isn't one freight market — it's two, and they move differently. Nashville is a fast-growing hub driven by population expansion and manufacturing investment, producing a steady stream of mid-size OTR fleets using the state as a home base for nationwide routing. Memphis is a different animal: one of the country's premier intermodal and distribution centers, with account types that routinely fall outside what standard carriers will touch competitively. Both markets push agents toward the surplus lines trucking market, and both require a wholesale partner with programs purpose-built for transportation — not a generalist broker who added a trucking line.
Our E&S programs are designed for exactly the account types concentrated in Tennessee:
- OTR and long-haul carriers with multi-state and nationwide routing
- Intermodal operations moving freight through the Memphis distribution corridor
- Mid-size fleets with complex liability and cargo exposure
- Accounts that have been declined or non-renewed by admitted carriers
Trucking Programs Built for the Risks Standard Markets Won't Write
Our coverage portfolio is built around the placements that matter most in commercial transportation — placed through E&S markets with the flexibility to compete where standard carriers can't.
Excess Liability Insurance
High-limit excess coverage for trucking risks that need capacity beyond primary auto liability — placed in surplus lines markets with the appetite for transportation.
Auto Physical Damage Insurance
Fleet and individual unit physical damage coverage for commercial trucks, including hard-to-place equipment and high-value units that standard markets decline.
Motor Truck Cargo Insurance
Cargo liability coverage for trucking operations carrying goods in transit — structured for the actual exposure, not a generic inland marine form.
Motor Truck Cargo Insurance
Cargo liability coverage for trucking operations carrying goods in transit — structured for the actual exposure, not a generic inland marine form.
Proprietary Trucking Programs
Semi-exclusive and proprietary programs not available through generalist wholesale brokers. These are the markets your competition isn't going to find at a big-box wholesaler.
Auto Liability Insurance
Primary commercial auto liability for trucking risks — coming soon. Contact us to discuss current placement options for your accounts.
Memphis Freight Is Big Freight — Treat It That Way
The Memphis market deserves its own conversation. As one of the top distribution and intermodal hubs in the United States, Memphis generates account types that routinely exceed what standard carriers will write at competitive terms — high-volume cargo exposure, intermodal liability, distribution operations with complex coverage needs. Agents writing in the Memphis corridor need a wholesale trucking insurance broker who understands the difference between a standard freight account and an intermodal distribution risk, and who has programs structured accordingly. Partnersure writes motor truck cargo and auto liability coverage for the account types that define the Memphis logistics market. If you're placing freight in and out of Memphis, we know what you're working with.
A Wholesale Partner You Can Actually Call
Complex OTR and intermodal accounts don't get placed through a portal. They get placed through a conversation — one where the underwriter already knows the account, understands the routing, and can move quickly when you need a quote. Partnersure's appointment model is built around that reality. Appointed agents work directly with our team, not a centralized queue. When you call, someone picks up. When you have a complicated account, you talk to someone who has seen that risk class before and knows how to structure it. That's not a pitch — it's just how we work. If you want to understand the full appointment process before you apply, our how we work page walks through it.
What Tennessee Retail Agents Can Access Through Partnersure
Do your trucking programs cover OTR carriers domiciled in Tennessee who run routes in other states?
Yes — and this is one of the most common account types we write. Our E&S programs are built for long-haul OTR carriers with multi-state and nationwide routing. A Tennessee domicile with routes running to California, Florida, or anywhere in between is exactly the kind of account our wholesale trucking insurance programs are structured to handle.Can you place coverage for intermodal and distribution accounts in the Memphis area?
Yes. Memphis-area intermodal and distribution operations are a recognized account type within our programs. We write motor truck cargo and auto liability coverage for the freight and distribution risk classes concentrated in the Memphis logistics corridor — accounts that often fall outside what standard admitted carriers will write competitively.What does it mean that Partnersure places coverage on an E&S basis?
E&S stands for Excess and Surplus Lines — a non-admitted market that operates outside standard state rate and form filings. It exists to cover risk classes that admitted carriers won't write or won't write at viable terms. For Tennessee trucking agents, that typically means OTR fleets with complex routing, large cargo exposures, or accounts with loss history. E&S placement gives underwriters more flexibility to structure coverage that fits the actual risk.How does the appointment process work for Tennessee agents?
Appointment starts with a request through our Get Appointed page. We review the agency's book composition — agencies with approximately 80% transportation premium concentration are prioritized — and reach out to discuss fit. If it's a match, we structure a non-overlapping regional appointment so you're not competing against other Partnersure-appointed agencies in your market. The full process is outlined on our how we work page.Do you work with smaller independent agencies, or only large regional brokers?
We work with independent agencies of varying sizes, provided the book is concentrated in transportation. What we're looking for is premium focus, not premium volume alone. A smaller agency writing a tight, transportation-heavy book is often a stronger fit than a large generalist shop with a modest trucking line.
Ready to Access E&S Trucking Programs Built for Tennessee's Freight Markets?
Appointed agents writing Tennessee trucking accounts gain access to our full suite of E&S transportation programs:
- Auto Liability Insurance — primary commercial auto liability for OTR and regional trucking fleets, including accounts with multi-state and nationwide exposure
- Excess Liability Insurance — umbrella and excess coverage for carriers who need limits above what primary markets will provide
- Auto Physical Damage Insurance — fleet physical damage for owned and leased equipment across Tennessee-domiciled operations
- Motor Truck Cargo Insurance — cargo coverage for OTR, intermodal, and distribution accounts, including the complex freight types concentrated in the Memphis market
- Proprietary Trucking Programs — semi-exclusive program access not available through generalist wholesalers, reserved for appointed agencies with concentrated transportation books
Appointment is selective. Agencies with approximately 80% transportation premium concentration are prioritized — and Tennessee agents with active OTR and freight books are exactly who these programs are designed to serve.
If you're writing OTR carriers out of Nashville, intermodal accounts through Memphis, or any combination of the complex trucking risks that define Tennessee's freight landscape, Partnersure has programs worth a conversation. Our appointment process is selective by design — because the agents we work with deserve markets that are actually built for their book, not bolted on as an afterthought. Request an appointment and let's talk about whether we're the right fit for your agency.