Transportation Insurance Experts (TIE)

Wholesale MGA underwriting commercial auto, cargo, and liability coverage exclusively for for-hire trucking fleets.

Distribution & Sales

Overview

Transportation Insurance Experts (TIE) is a commercial auto, motor truck cargo, and general liability MGA and wholesale broker serving for-hire trucking and transportation carriers through a national network of independent retail agents. The company underwrites and places coverage exclusively for the trucking and transportation sector, with no other insurance verticals.

TIE operates as a "split house" program administrator, retaining direct underwriting control on select risks rather than routing every submission through a carrier for a decision, which shortens the quote-to-bind cycle for hard-to-place fleets. In September 2024 the company added an admitted national trucking program underwritten by Cimarron Insurance Company, extending its book beyond excess and surplus lines into standard/admitted coverage for small-to-midsize for-hire trucking operations. Distribution runs entirely through partner retail agencies that specialize in trucking risk; TIE does not sell directly to fleets.

The company reports staff averaging around eight years of trucking-insurance experience and provides its retail agent partners with underwriting guidance, risk-assessment tools, and mentorship programs aimed at growing agency production. Insurance Business Review Magazine named TIE a "Top 10 Wholesale Insurance Brokerage" for 2024.

Products & Services

Virtual Quoting Engine (VQE)

A proprietary, agent-facing platform covering the full policy lifecycle: submit, rate, quote, bind, issue, endorse, cancel, renew, and report. TIE markets the platform as delivering a bindable quote in 10-15 minutes for hard-to-place trucking risks, versus a roughly two-day industry average, and provides instant motor vehicle report (MVR)-based driver approval or denial.

Key Features

End-to-end policy lifecycle in a single portal
Rapid driver approval via automated MVR review
Self-service endorsements and policy changes for agents

Target Users: Retail insurance agents specializing in trucking risk.

Distribution: Available exclusively to TIE's partner retail agent network.

Admitted National Trucking Program (with Cimarron Insurance Company)

An admitted, standard-market commercial auto liability, physical damage, and general liability package for small-to-midsize for-hire trucking operations, launched in phases starting September 2024. It extends TIE's traditional excess and surplus (non-admitted) book into standard lines.