Final Mile Coverages

As an independent business owner, you are frequently forced to make difficult decisions regarding the profitability of your business.

Recognizing this, TrueNorth has created a program which is strategically designed to help Contract Carriers in the Final Mile business who run under their own operating authority. Explore the boxes below to learn more about TrueNorth's Independent Advantage™ offerings and services.

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Business Coverages

Business Coverages

TrueNorth has designed programs specifically for Contract Carriers in the Final Mile Industry. These programs provide you with increased flexibility in protecting your business and meeting your contractual and regulatory requirements.

The program includes:

  • Required Federal & State Insurance Filings
  • Liability Limits up to $4M
  • 24/7 Claims Intake Resources
  • Profitability for Contract Carriers Operating with Multiple Logistics Companies

Work Injury Insurance through TrueNorth

Most logistic providers require that the Contract Carriers with which they contract procure Occupational Accident (Occ/Acc) and/or Workers' Compensation insurance. TrueNorth has designed a few options to provide you with flexibility in protecting your business, while also meeting this requirement. Coverages include protection for drivers, helpers and business owners.

The Business Package Insurance Protection includes the following coverages:

Auto Liability Insurance | Provides protection against legal liability arising out of the ownership, maintenance, or use of any insured automobile.

Physical Damage Insurance | Comprehensive Collision provides protection against loss or damage to a covered auto resulting from a collision or other certain causes of loss.

General Liability Insurance | Provides protection needed to pay for bodily injury or property damages for which you are legally responsible. Such as, but not limited to, installation of appliances and furniture assembly.

Cargo Legal Liability Insurance | Provides property coverage for direct physical loss or damage to property of others in your care, custody, and control, for which you are legally liable.

Umbrella Liability Insurance | Provides excess liability coverage over your Auto Liability and General Liability policies.

Contact a TrueNorth navigator to learn more.

Call 844-413-3631 Email

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Health Insurance

Health Insurance

The TrueChoices Health Insurance platform is designed exclusively for independent contractors in the transportation industry. Established in 2003, the platform provides access to affordable health insurance and other benefits to owner-operators in the transportation industry.

True Choices

TrueChoices offers you affordable benefit solutions, including:

  • Major Medical
  • Limited Medical
  • Dental
  • Vision
  • Life
  • Disability
  • Accident
  • Critical Illness

One number for enrollment, customer service, provider search and claims assistance. TrueChoices is a paperless service, so there are no applications for you to complete.  

Contact a TrueChoices advisor to learn more and enroll.

Call 833-243-8647 TrueChoices Resource Guide

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Business and Tax Consulting

Business & Tax Consulting

Since 1998, our friends at American Truck Business Services (ATBS) have helped over 150,000 drivers with their business needs.

ATBS’ services take on the role of a complete back-office solution, allowing you to spend less time worrying about your business and more time driving. The end result is less stress, more money and a better life!

As the largest tax and accounting firm for owner-operators, ATBS aims to take the complexity out of driving freight; they handle the ‘business of trucking,’ leaving you to do what you love – drive! Depending on the product package you select, ATBS provides a variety of services, including but not limited to:

Business Consulting | Entity formation, DOT number procurement, payroll services and business consulting.

Taxes | ABTS will prepare year-end state and federal tax returns, helping you find every legal deduction you deserve. They'll also provide quarterly tax estimates based on your actual quarterly income and expenses.

Bookkeeping & Accounting | Send ATBS your receipts to scan and archive. You'll be able to view your documents 24/7 through their secure online portal.

Profit Plans | ATBS will help you figure out how many miles you need to run to meet your financial goals.

Contact a TrueNorth navigator to learn more.

Call 844-413-3631 Email

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Safety and Compliance

Safety and Compliance

With the help of TrueNorth’s industry partner, Our Safety Department, we’re proud to provide a full-service, comprehensive safety program for Final Mile contract carriers. The program can be tailored to fit your precise business needs. Examples of available services include:

Equipment Maintenance File Management

When it comes to equipment maintenance files, don’t waste time with tedious paperwork. Our solution costs a fraction of what you might pay for other services and has worked for drivers all across the country. Rest easy knowing all receipts, miles and cost-per-year for each vehicle are available online and organized in one place.

The Preventive Maintenance (PM) program includes a weekly email noting what vehicles are due for their PMs and annual inspections.

The DVIR File program offers access to DVIR files and the space to upload and manage DVIRS.  The program will automatically house DVIR files for 90 days.  

Roadside Inspection Files are accessible, too!  Access and upload roadside inspections and the program will house them for up to three years.

Contact a TrueNorth navigator to learn more.

Call 844-413-3631 Email

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Personal Benefits


Become a CODE Certified Contractor!

CODE is experienced in the business of providing access to certain certification and educational services to individuals and companies operating in the Final Mile home delivery market space. In addition to providing professional training and certification, CODE-certified members have access to up-to-the-minute changes in industry regulations, training and support – empowering you to provide white glove delivery service.

Contact a TrueNorth navigator to learn more.

Call 844-413-3631 Email

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Final Mile FAQs

Frequently Asked Questions

  • Am I eligible?

    General eligibility criteria for business package coverages: 

    • New ventures must meet the following criteria:
      • 1 truck, owner drives: owner needs 3 years relevant work history.
      • 2+ trucks: owner needs 3 years relevant work history. Drivers need 3 years of driving experience (passenger vehicles qualify.)
    • Drivers must meet the insurer's criteria for moving violations and accidents.
    • If you had commercial insurance within the past five years, loss runs are required.
  • What are my payment options?

    Multiple payment options are accepted. The first month's payment is due at binding.

    What is the process to qualify? 

    Simply complete an online application below or call our Navigator team by phone at (844) 413- 3631, option #1. Our team of navigators can answer questions and help pre-qualify you. All quotes and indications will be subject to final underwriting approval.

      Submit Your Application   

  • How much does insurance cost?
    • Business Package coverages are all individually written. Prices vary based on these key factors (among others):
      • Owner's years of experience
      • Vehicle value and garaging zip code
      • Safety practices and loss history
    • Workers Compensation is individually-rated based on payroll and location. 
    • Occupational Accident plans are set monthly rates per unit of coverage. 
      • 'Non-driving owner' coverage is available!
  • How long does it take to get insurance?

    While our Navigators will work to pre-qualify you immediately, underwriting approval of quotes can take 2-4 business days. Once down payment is received, certificates and auto IDs are available within the next full business day.

  • Can coverages be purchased separately?
    • Occupational Accident is available separate of other coverages. 
    • Business Coverages are only available in a package. 
    • Workers' Compensation is only available with the Business package. 

Contact a TrueNorth navigator to learn more.

Call 844-413-3631 Email

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The information contained herein is for general information purposes only and should not be relied upon in place of legal and/or risk management advice. All policies referenced herein are subject to the actual terms, conditions, limitations and eligibility requirements of the policies as determined by the applicable insurer.