TST Insurance Services

About TST Insurance Service

TST has been a full service agency since 1987, specializing in truckload and less than truckload (LTL) carriers operating on a long, intermediate and short haul radius. All Business is written through Aegis Security Insurance Company 



Non-Fleet is a minimum of 3 years in business (under current MC#) 25% down and 9 installments


Fleet (over 10 units) is a minimum of 4 years in business (under current MC#) 20% deposit or Letter of Credit and 12 equal installments (per unit/per month or mileage) mileage will require a minimum

Preferred business 

Good CAB scores (no more than 2 alerts), no cancellations on the insurance, good vehicle maintenance, acceptable loss runs, acceptable driver turnover, acceptable growth & no brokerage under the same name.

We are looking for Dry Van, Reefer, Flatbed, Hopper Bottoms, Pneumatics & Tankers (food grade only).


New Ventures, Hazardous Materials, Sand & Gravel, Boat & Auto Haulers, Intermodal Containers, Last Mile Coverage, Pulpwood, Scrap Metal, Oil & Gas, Oilfield & Straight Trucks & Vans (Courier).



  • General Liability - $2,000,000
  • Primary Liability up to $1,000,000 combined single limit (first dollar coverage only)
  • Pollution Liability
  • Hired Auto
  • Non-owned Auto
  • Uninsured/Underinsured Motorist
  • Medical Payments (PIP Benefits)
    (where applicable)
  • Non-trucking Liability – Bobtail

Motor Truck Cargo:

  • Broad Form Policies
  • Aggregate deductibles  ($1,000-$2,500-$5,000 deductibles)
  • Earned freight charges
  • High valued commodities requiring limits of $100,000 per vehicle
  • Loading and Unloading
  • Pollution clean up
  • Reefer breakdown
  • Wetness and dampness

Physical Damage:

  • Collision, Comprehensive
  • Aggregate and
    combined deductibles
  • Deductibles Available $1,000, $2,500, $5,000 (per unit or combined)

Additional Coverages:

  • Worker’s Comp
  • Occupational Accident

General Aggregate Note: We have to write the Auto Liability first. We cannot write mono-line coverages on the Physical Damage, Cargo or G.L.


New Business Submissions

Please forward the MC# first so we can look at CAB & Safer to pre-qualify or to see if the account has already been submitted. Once we look at the account we will e-mail you back if we reserve it for you or that we are just not interested. Once the account is reserved we would like the updated information sent around 30 days prior to the expiration date. We do not accept AOR/BOR’s.

Download Submission Form

Contact Information

Craig Goldade   Al Heidt (Head Underwriter)
Cgoldade@tstltd.com   aheidt@tstltd.com
1-800-289-7722   1-800-289-7722
1-701-751-8020   701-751-8021