Berkley Prime Transportation review: fleets, lines, claims

What Berkley Prime Transportation is and how buying works

Berkley Prime Transportation is part of W. R. Berkley Corporation, a commercial lines insurance holding company founded in 1967. Insurance Journal reported on July 1, 2019 that W. R. Berkley had formed the division to write primary commercial transportation insurance countrywide for standard and preferred risks, with a focus on analytics and technology.

In W. R. Berkley’s public filings it appears as a business unit rather than a standalone insurer. The company’s Form 10-K for fiscal 2025 describes Carolina Casualty as a national provider of primary insurance to the transportation industry that underwrites on an admitted basis in all 50 states and the District of Columbia, and names Berkley Prime Transportation as one of its businesses. As of November 2026, its leadership page lists Paul Stock as president and CEO, and its mailing address is in Jacksonville, Florida.

You cannot buy a policy directly on its website. The site is built for agents: it invites agencies to request an appointment and to submit fleet accounts online, so a motor carrier reaches Berkley Prime through an agent or broker who is appointed with it.

Coverage it offers and for whom

As of November 2026, Berkley Prime’s fleet page says coverage is for risks with 15 or more power units and lists four lines: motor carrier auto liability (including hired and non-owned auto and trailer interchange), auto physical damage, general liability and motor truck cargo in select states. The company states that property, workers’ compensation and occupational accident coverage are not available, and it points readers to W. R. Berkley’s company locator for other lines.

The fleet page groups its target business by trailer and freight type. The table below summarizes the classes it lists.

Excluded operations and safety requirements

Berkley Prime publishes a list of operations it does not write. If your fleet falls into one of them, the account is outside its appetite regardless of size or loss history. The excluded operations on its fleet page, as of November 2026, include:

• Hazmat haulers that need $5 million filings, explosives haulers and fuel, gas or propane haulers
• Carriers without federal operating authority filings, or whose MC is in bankruptcy
• More than 25% Canadian exposure, any Mexico endorsement or primary garaging outside the US
• More than 125,000 miles per truck per year
• Tow trucks, wreckers, auto haulers, crane and boom trucks, ready-mix and log trucks
• Couriers, food delivery, last-mile delivery, drive-away and passenger transportation
• Residential waste haulers and truck rental or leasing operations

Who it suits and who it may not

Based on its published appetite, Berkley Prime is aimed at established, federally authorized trucking fleets of 15 or more power units hauling dry van, flatbed, reefer, non-hazmat tanker, intermodal or LTL freight. Its fleet page also says it looks for a strong internal safety program, a good driver hiring program and a satisfactory inspection history.

It is not built for owner-operators or small fleets under 15 power units, new ventures without federal filings or the specialty operations on its exclusion list. Fleets that need workers’ compensation, occupational accident or property coverage would have to place those lines elsewhere, and fleets that need cargo coverage should confirm it is offered in their state, since the company lists cargo for select states only.

How claims and service work

According to its claims page, Berkley Prime handles losses with a team of adjusters who specialize in transportation claims. You can report a claim by phone at 833-79-PRIME, by fax, by email to its claims address or through an online report form. The company also posts a downloadable initial accident reporting form.

The online form asks for the policy number, named insured, date, time and time zone of the accident, a description and whether there was an injury, a fuel spill or a towed vehicle. You can upload photos and documents in PNG, JPG, BMP or PDF format.

Its contact page lists separate email addresses for billing, claims, agency appointments and loss run requests, plus a separate billing mailing address in Jacksonville. Requesting loss runs from the policy documents address is useful when you shop your renewal.

What to compare and ask before buying

Berkley Prime’s agent page lists what a submission must include, which is a good guide to what the underwriter will look at. It accepts submissions 15 to 90 calendar days before the effective date, so start early if your renewal is close.

• ACORD applications or another carrier’s application
• A vehicle list with year, make, model, VIN and stated amount
• A driver list with name, date of birth, license state and number and date of hire
• IFTA reports for the 4 most recent full quarters
• Loss runs for the current year plus 4 full years, valued within 120 days
• An exposure template for fleets with 15 to 24 power units

How it fits with getting several quotes

When you compare a Berkley Prime quote with others, line up the same items: auto liability limit and deductible, physical damage stated amounts and deductibles, whether cargo is included in your state, trailer interchange and hired and non-owned limits and general liability terms. Check the declarations page for the legal name of the issuing insurer, and confirm that your federal filings will be made before the effective date.

Because Berkley Prime writes only fleets of 15 or more power units and only through appointed agents, the agent you work with determines whether it is in your comparison at all. A broker such as Florin can compare quotes from several insurers so you can weigh a Berkley Prime proposal against other fleet markets on the same terms.