From one truck under your own authority to a growing fleet, we cover the operation. Commercial auto liability, physical damage, motor truck cargo and the rest — shopped across trucking markets by an agent who spent 40 years in the trucking industry and knows what your business actually faces on the road.
Driving a 2006-or-older truck and keep hearing "no"? A lot of carriers — especially the 1-800 and online ones — won't touch older equipment. Our trucking markets will. High-mileage workhorse or an older rig that still earns its keep, we'll shop it and get you covered. Don't park a truck that can still make you money because one website said no — call 573-594-5148.
Standard markets shy away from new authority and one-truck operations. We don't. Whether you're just getting your authority or running a yard full of trucks, we shop it.
Under your own authority or leased on — including non-trucking/bobtail when you're off dispatch.
Under a year in business or running a hot-shot rig? We work markets that say yes when others pass.
From a second truck to a full fleet, scheduled with consistent coverage and one point of contact.
Local, regional, or long-haul; dry van, reefer, flatbed, and specialty hauls — matched to the right market.
2006 and older, high miles, or an aging rig — we work markets that write the equipment others decline.
The core protection a motor carrier needs, plus the add-ons your lanes and contracts require.
BNW Services LLC is a licensed independent agency, and Billy E. Whited — a licensed insurance producer with BNW — spent 40 years in the trucking industry. He knows authority and FMCSA, the difference between primary liability and non-trucking, what a reefer claim looks like, and why the cheapest cargo limit can leave you exposed. When you call, you're not explaining your operation to a call center — you're talking to someone who's lived it.
Independent means we shop dedicated trucking and commercial-auto carriers — including markets built for owner-operators, new authority, and fleets — instead of forcing your rig into one company's box. We match the operation to the carrier that actually wants it.
Kansas City is one of the nation's largest freight and logistics hubs, and we're right in the middle of it. We cover owner-operators and fleets running the corridors you run — I-70, I-35, I-44 and I-435 across Missouri and Kansas, up I-29 through St. Joseph toward Omaha, and east to Nashville and Memphis on I-40. Billy spent 40 years around Kansas City and St. Joseph trucking — he knows the lanes, the yards, and the operations that run them.
Serving truckers in Kansas City, St. Joseph, Columbia, Springfield & Joplin (MO); Wichita, Topeka & Overland Park (KS); Omaha & Lincoln (NE); and Nashville, Memphis & Knoxville (TN) — and every town in between.
Both — one truck under your own authority, leased on, or a growing fleet. We shop the market to fit the operation.
Core: auto liability, physical damage, and motor truck cargo. Plus non-trucking/bobtail, trailer interchange, general liability, workers comp or occupational accident, and excess/umbrella as you need them.
It covers your truck when driven without a load and not under dispatch — filling the gap a motor carrier's policy leaves when you're off-duty.
Yes — we work markets that write new-authority (under 1–2 years) and hot-shot operations many standard carriers decline. Send your authority date, equipment, and radius.
It covers the freight you haul against loss or damage — usually required by shippers and brokers. The right limit and commodity coverage depend on your lanes.
Often, yes. Many carriers, especially direct and online ones, decline trucks past a certain age or mileage. We work markets that write older equipment — so if you've been turned down for an older rig, call us before you give up; we'll shop it.
Yes — Kansas City and St. Joseph are home base, and we cover owner-operators and fleets across the KC metro and the I-70, I-35 and I-29 corridors, plus greater Missouri, Kansas, Nebraska and Tennessee.
Missouri, Kansas, Nebraska and Tennessee, with the deepest trucking appetite in Missouri and Kansas. Tell us where your authority is based and we'll confirm the markets.
One truck or a fleet — start a quote in minutes, or talk your operation through with an agent who knows trucking.
Quotes are estimates, not offers of coverage; coverage is bound only when issued by the carrier. Coverage availability varies by state, operation, and carrier appetite. BNW Services LLC is a licensed independent insurance agency. See our licensing & disclosures, terms, and privacy policy.