# AGENTS HOUSE INC \- Smart Insurance > Wholesale transportation insurance programs distributed exclusively through approved agencies\. ## At a glance | Field | Value | | --- | --- | | Type | MGA | | Region | NA | | Headquarters | Oakbrook Terrace, Illinois | | Founded | 2022 | | Stage | Startup | | Employees | 11-50 | ## Overview Agents House Inc., operating under the brand Smart Insurance, is a wholesale program administrator and distribution arm for transportation insurance programs developed by the Truck Owners Association (TOA). The company acts as the exclusive conduit between TOA and a network of approved independent insurance agencies across the United States, distributing specialized insurance coverage tailored for the trucking and transportation industry. The company focuses on three core insurance programs: Physical Damage coverage for trucking fleets, Non-Trucking Liability (NTL) for owner-operators, and Occupational Accident insurance for 1099 contractor drivers. All programs are offered on a Continuous Until Cancelled (CUC) basis with direct billing, and are fully managed through a proprietary web-based agent portal. Founded in 2022 and headquartered in Oakbrook Terrace, Illinois, Agents House maintains quality control over its distribution network by vetting and approving agencies before granting portal access. The platform enables partner agents to quote, bind, issue certificates, pay invoices, and manage policies entirely online. ## Products & services ### Physical Damage Fleet damage coverage for trucking operations, designed to support swift recovery and minimize downtime. Features flexible deductibles and towing limits up to USD 10,000. **Key features:** - Fleet vehicle damage protection - Towing limits up to USD 10,000 - Flexible deductible options - Continuous Until Cancelled \(CUC\) policy structure *Target users:* Fleet operators, owner\-operators, and trucking companies *Distribution:* Through approved independent insurance agencies ### Non\-Trucking Liability \(NTL\) Liability coverage for truck drivers (Class 3-8 vehicles) when operating their vehicle outside of commercial/business use -- commonly known as bobtail or deadhead coverage. **Key features:** - Classes 3\-8 commercial vehicles eligible - Covers non\-business use of truck - CUC policy structure - Direct billing available *Target users:* Owner\-operators and independent truck drivers *Distribution:* Through approved independent insurance agencies ### Occupational Accident Insurance On-the-job injury protection designed specifically for 1099 independent contractor truck drivers who are not covered under standard workers compensation policies. **Key features:** - Designed for independent contractors - On\-the\-job injury protection - Alternative to workers compensation for 1099 workers - CUC policy structure *Target users:* 1099 contractor truck drivers and owner\-operators *Distribution:* Through approved independent insurance agencies ## Links - Website: - Directory profile: - Contact: - About us: - Agent portal: --- *Last updated: 2026\-05\-11*