Owner Operator

The demands of operating your business from the road
are incredibly difficult. As a transportation specific insurance
agency, we understand the needs of the independent trucking contractor. We have a team of people dedicated to serving the owner operator market.

Our programs are designed to:

  • Eliminate coverage gaps
  • Provide ease of administration
  • Maintain regulatory compliance

We provide “One-Stop Shopping” for all your coverage needs and simple, no hassle set-up. We also offer both settlement deduction programs and direct bill programs. In our over 20 years as an agency, NRMS has helped over 10,000 owner operators secure the appropriate coverage according to their specific needs.

Coverages include:

  • Bobtail Insurance
  • Non-Trucking Liability Insurance
  • Un-laden Liability Insurance
  • Physical Damage Insurance
  • Occupational Accident Insurance with Contingent Liability
  • Workers Compensation
  • Deductible Buyback
  • Gap (Lease Gap) Insurance
  • Guest Passenger Accident Medical
  • Supplemental Coverages
  • Downtime / Rental Reimbursement
  • Personal Effects Coverage
  • Electronic Equipment Coverage
  • Diminishing Deductible
  • Aggregate Deductible Clause
  • Tarps, Chains and Binders

Customer Testimonials

“I would like to say how impressed I was with Tomi Leak. She was very helpful and very very nice. This was my first time buying insurance from an outside company other than whom I was leased to. I needed a lot of help and had a lot of questions to make sure I did the right thing. I first spoke with Tomi I told her I was very impressed with her attitude and her knowledge for trucking insurance. Again, I just would like to THANK her again and look forward to working with her now and in the future.” – Lorenda M.

Large Fleet

Delivering superior risk management solutions to trucking fleets for over 25 years, our focus is to provide fleets with a Risk Management program, including complementary safety and driver management services, so they can focus on their core business…trucking!

Our strategy is to assist motor carriers achieve long-term low cost insurance by offering a Risk Management program that includes:

  • Comprehensive coverage review and program design
  • Safety Action Plan designed to drive down losses and maintain regulatory compliance
  • Access to exclusive transportation specific markets including, but not limited to: Acuity, Great West, National Interstate and Sentry

Our special emphasis is on the transportation industry, where we have acted as the risk management partners of more than 500 trucking fleets.  This specialization has made us experts at finding ways to reduce costs and provide value added services for transportation companies.

Our Approach – Risk Management vs. Insurance

Risk Management is more than insurance – it’s the process of minimizing the adverse effects of accidental losses. A well-designed Risk Management solution can lower your losses and lower your premium costs.  We have years of experience in making Risk Finance and Risk Control work for the transportation industry.

  • Risk Finance focuses on determining the right coverages, limits and deductible amount giving you financial security and optimize cash flow.
  • Risk Control focuses on analyzing losses, determining how to prevent them, and mitigating the cost once they do occur.

Traditional Insurance Programs

  • Auto Liability
  • Physical Damage
  • Cargo
  • Contingent Auto and Cargo for Freight Brokers and Freight Forwarders
  • General Liability
  • Property
  • Workers Compensation
  • Excess Liability
  • Additional Policies and Endorsements as appropriate

Alternative Risk Financing

Alternative Risk Financing programs known as Captives and Self-Insured Retentions (SIRs) offer you the opportunity to benefit from your safety efforts. More specifically, if you don’t suffer significant losses, a portion of the premium you pay, along with investment income, may be returned to you. We have significant experience helping clients determine if an Alternative Risk Financing program is right for them.

Captive Programs

  • Better operators band together to share risk and reward, creating their own exclusive insurance group and insulating themselves from poorer operators and the market
  • In effect, group captive participants exit the cyclical traditional market and typically realize significant long-term savings and better protection

Self-Insured Retentions (SIRs)

  • Insured retains predictable losses and losses that can be controlled. Transfer unpredictable and catastrophic losses

Insurance Company Partners

In our over twenty five years as an agency, National Risk Management Services has developed strong partnerships with transportation specific insurance markets.
The list below represents some of the insurance companies we work with:

  • Acuity
  • Allianz
  • AmTrust
  • Canal
  • Carolina Casualty
  • National Casualty
  • National Interstate
  • Northland
  • RLI
  • Sentry
  • Travelers

Risk Managers

Large Fleet Tom Luccia

Tom Lucci, ARM, CPCU, MBA

Tom’s business career started as a transportation underwriter. This experience grounded him in the risk management process of identifying, analyzing and then selecting the right way to handle loss exposures. His loss exposure analysis ensures that all exposures are covered, trends in frequency and severity are identified and the proper cash flow program is implemented. His extensive knowledge of the insurance company operations facilitates the delivery of Risk Management Services to his clients.

Large Fleet Lee Bolko

Lee Bolko, ARM

Lee’s entire career has been spent in the commercial insurance business. His expertise is insurance coverages and safety services for transportation companies and contractors. He complements his insurance knowledge with an in-depth understanding of regulatory compliance requirements. He delivers Risk Management Services to his clients through a series of safety meetings designed to bring awareness and training of safety issues to management and drivers. Lee is certified by the National Safety Council as an instructor of Defensive Driving.

DWP_0939 Mike Bush, MBA

Mike’s broad background in operations, sales and finance provides him a well-rounded perspective to understand the complex needs of our clients. His balance of an analytical approach combined with practical operational experience is leveraged to identify, analyze and select the right way to handle loss exposures.  His experience in the safety industry provides additional insights and awareness to help our clients avoid exposures.




Small Fleet

Small fleet companies are unique and require insurance programs that fit their specific needs. They deserve a high level of professional service, and National Risk Management Services is dedicated to providing exceptional customer support.

Our goal is to help your fleets secure the right coverage while protecting your company from uncovered exposures.


Determining the optimal combination of coverages and limits for your business ensures your company is protected. We follow a thorough process to understand your business, to provide an insurance program that will be customized to your needs.

  • Auto Liability
  • Physical Damage
  • Cargo
  • Mechanical Breakdown coverage with rental reimbursement
  • General Liability
  • Property
  • Workers Compensation
  • Excess Liability
  • Trailer Interchange
  • Reefer Breakdown
  • Driver Error
  • Wet Steel Coverage
  • Additional Policies and Endorsements as appropriate

We also offer flexible payment terms including EFT (electronic funds transfer) and credit card payment.

Transportation Insurance Companies

In our twenty years as an agency, National Risk Management Services has developed strong partnerships with transportation specific insurance markets. The list below represents a few of the insurance companies we work with:

  • Sentry
  • Acuity
  • Occidental
  • Protective
  • Northland
  • National Casualty
  • Canal
  • Progressive
  • National Indemnity
  • Additional markets available based on operation

Risk Manager Profile

  • Jonathan Oberschlake: Jonathan started his career in the transportation insurance industry after graduating from Ohio Wesleyan University. When Jonathan first joined NRMS, he worked as a Marketing Assistant on the Large Fleet team gaining a thorough knowledge of the industry and regulatory compliance. Jonathan later transitioned to a Risk Manager, specializing in Small Fleet trucking operations. His comprehensive understanding of Small Fleet operations provides the expertise and experience to service this niche segment of the industry. It is his dedication and commitment to the industry that has allowed him to find success and help many carriers navigate the challenging insurance market and keep them on the road.


Customer Testimonials

“One huge philosophy of mine is to stick with those who are reliable and reasonable and get rid of those who aren’t. You fall into the “ARE” category, in spades! Again, thanks for your hard work.”
Jim Hendricks, Xperience Transport

“I want to thank you both for all of your efforts getting this policy set up. I know this was out of the ordinary and realize you both put in a lot of effort to make this happen. Thanks again for all you have done.”
Jason & Kim Smiley, Fleet Star Transportation Inc.

“We are very happy with National Risk Management and the aggressive pricing on all our needs. Everything is handled quickly and accurate – most of the time within 24 hours. It is nice knowing that you have honest and knowledgeable staff to back you up, and they are going to do their best the first time with no reserve”.
Danijel Dobrijevic, DP LINE INC