Transportation Risk Specialists is based in Jasper, Alabama, at 806 Highway 78 West, right on the US-78 / I-22 corridor between Birmingham and Memphis. Alabama is home for us, and Alabama carriers are the heart of our business.

Where Alabama carriers run

I-65 runs north–south through Huntsville, Birmingham, Montgomery, and Mobile, linking the Tennessee Valley to the Gulf.
I-20 and I-59 cross Birmingham and carry freight between Atlanta, Mississippi, and Louisiana.
I-22 connects Birmingham through Jasper to Memphis, a direct line to one of the country’s major freight hubs.
I-10 crosses the Mobile area along the Gulf Coast.
The Port of Mobile generates container, steel, and bulk freight moving inland.

Your lanes affect your insurance. Underwriters look at where your trucks are garaged, your radius, and the states you run, so tell us how you actually operate, not just where you’re based.

What Alabama carriers haul

Alabama trucking ranges from timber, logs, and wood products in the western and southern counties to auto parts and finished vehicles tied to the state’s manufacturing plants, steel and metals around Birmingham, poultry and agricultural freight, and port drayage out of Mobile.

What you haul drives your cargo coverage. Some commodities are excluded or limited on many cargo policies, and refrigerated freight usually needs reefer breakdown coverage. We match the policy to your freight.

Coverage for Alabama trucking operations

Primary auto liability — Meets FMCSA requirements and your contract limits.
Motor truck cargo — Written for the freight you haul and the limits your brokers require.
Physical damage — For your tractors and trailers, with lender requirements met.
Non-trucking liability and bobtail — For leased-on owner-operators.
Also available: general liability, trailer interchange, occupational accident, workers’ compensation, and umbrella or excess.

We work with owner-operators, leased owner-operators, small fleets, long-haul carriers, and new authorities in Alabama.

Federal and Alabama requirements

Interstate carriers: For-hire interstate carriers hauling non-hazardous freight in vehicles of 10,001 pounds GVWR or more must carry at least $750,000 in liability, filed by the insurer with FMCSA. Carriers of certain hazardous materials need $1,000,000, and carriers of explosives, poison gas, or radioactive materials need $5,000,000. Many brokers and shippers require $1,000,000 regardless.

Intrastate carriers: If you run only within Alabama, state rules decide whether you need a USDOT number and what insurance must be on file with the state. Tell us you’re intrastate-only and we’ll confirm the current Alabama requirements before you bind.