Wholesale insurance · Small-fleet trucking
Commercial insurance runs on banker's hours.
Trucking doesn't.
idi is a wholesale insurance agency built for the 1–7 truck fleets the industry overlooks — powered by always-on technology that carries an account from submission to certificate. Physical Damage is live in 26 states today, with more lines on the way.
87%
of the trucking supply chain runs fleets of 1–7 trucks
26
states where Physical Damage is live today
< 60 sec
from confirmed payment to bound policy on our platform
24/7/365
bound and certified around the clock — including 2 a.m. Sunday
How it works
A wholesale agency running on trucking's clock
Freight moves around the clock. Manual servicing does not — and that mismatch is why the under-7-unit fleets that make up most of the supply chain get structurally overlooked. Once an account is with idi, the technology does the servicing.
01
Submit
Send the account to the idi team. Appetite and pricing come back fast — hours, not days.
02
Bind
Coverage is live the moment payment confirms. No financing paperwork holding up the bind.
03
Collect
Card, monthly or annual — collected digitally, reconciled automatically, no premium chasing.
04
Certify
Certificates issued instantly for shippers and brokers, any hour the load is ready.
Programs
Exclusive programs, now within reach
Lines historically reserved for the largest agencies — written wholesale for 1–7 unit fleets.
Physical Damage
Coverage for the tractor and trailer itself — collision, upset, fire, theft and specified perils, built for small fleets and owner-operators.
Excess Cargo
Motor truck cargo protection for the freight in transit, with instant certificate issuance for shippers and brokers.
Occupational Accident
Injury protection for owner-operators and contracted drivers where workers' compensation doesn't apply.
Scope note: idi does not write primary auto liability or general liability. Those lines stay with the customer's retail agent — by design.
Coverage map
Where Physical Damage is live today
Available in 26 states through two markets — Incline Insurance and AIFE — and expanding. If your state isn't on the map yet, tell us where you need us next.
Incline + AIFE · 15 states
WI, IA, MO, IL, IN, OH, KY, TN, WV, PA, NC, SC, GA, AL, FL
AIFE only · 10 states
OR, MN, NE, CO, KS, OK, TX, AR, MS, MD
Incline only · 1 state
VA
Not yet available
Expanding state by state — check back, or ask us.
Why idi
65% of a retail commission is overhead
A retail agent earns roughly 10 points of commission on premium — and about 6.5 of those points get consumed by backroom servicing: collecting premium, processing endorsements, verifying proof of coverage. A small fleet takes the same servicing hours as a large one and pays a fraction of the commission.
idi automates that work away. Coverage documents, collection and reconciliation run on one system of record — no rekeying, no lost premium, no phone tag — so the time you spend on a small-fleet account is finally worth it. New producers get to prospect and sell instead of drowning in unpaid service work.
Who it's for
Two doors. Same team.
For agencies & producers
Add a wholesale trucking market without adding workload. Get appointed, place Physical Damage today, and get first access to new lines as they go live. Servicing drag stays with our platform, commission stays with you.
Get appointed →For trucking businesses
Running 1–7 trucks and tired of banker's hours? idi places coverage through your retail agent, so you keep the advisor you trust — and gain a market that binds and issues certificates around the clock.
Get connected →Talk to a human. Get appointed.
No portals, no ticket queues. Email Harvey Snook on the idi customer support team — he'll walk you through appetite, appointment, and your first submission.
Harvey Snook · idi customer support