Integrated Digital Insurance
Instant coverage.
Automated compliance.
Digital-first insurance for trucking and logistics. Quote, bind, and produce documents instantly — by the trip or by the month, 24 hours a day. The logistics industry never sleeps; your coverage shouldn't either.
24/7 automated binding
Stop losing business after hours. Coverage can be quoted, bound, and documented around the clock — immediate solutions when trucking clients need them most.
Subscription, not financing
No large upfront deposits, no premium financing approvals, no rigid long-term commitments. Flexible per-trip and monthly subscription pricing built for the speed of modern logistics.
Self-serve compliance
Drivers and contractors generate their own Certificates of Insurance from the portal — instant, immutable, digitally produced coverage documents, no phone tag.
Current offerings
Coverage built for trucking — by the trip or by the month
By the trip
Excess Cargo
Instant, 24/7 excess cargo coverage — up to $1M excess over primary, purchased per trip when you need it.
By the trip
Umbrella
Trip-based umbrella coverage that layers extra protection on top of your primary policies, without an annual commitment.
Monthly subscription
Physical Damage
Covers the actual cost of commercial towing and storage, so the total-loss value is never diminished by what's owed to the towing operator.
Monthly subscription
Occupational Accident
Subscription occ-acc coverage that works even for a single owner-operator — no settlement deductions, no premium leakage.
Monthly subscription
Non-Trucking Liability
Liability protection for when the truck is off dispatch, on a simple monthly subscription.
Instant
Trailer Interchange
Instant trailer interchange coverage with instant contract production — bind and document in one step.
Instant
Temporary Substitute
Instant temporary substitute coverage for physical damage when a replacement vehicle goes into service.
Enhanced
Towing & Road Assistance
Enhanced towing and roadside assistance coverage that keeps small fleets and owner-operators moving.
Monthly subscription
GAP Enhancement
Subscription GAP coverage that closes the spread between what's owed and what's paid at total loss.
Who we serve
Built for everyone who keeps freight moving
Insurance agencies
Add a fully digital trucking product line without adding workload. Quote and bind around the clock, serve clients after hours, and create a new revenue stream with one tool.
Carriers & owner-operators
Buy coverage by the trip or by the month — no large deposits, no premium financing. Generate your own Certificates of Insurance from the portal, any time.
Lenders & small fleets
Our physical damage product pays the actual towing and storage bill, so collateral value isn't eaten by liens at total loss. A game changer for those lending to small fleet operators.
Compliance
Coverage that supports true independent contractor status
Our user-based subscription model reinforces independent contractor classification: it reduces carrier control by eliminating settlement deductions for premium payments, and contractors access the portal directly to purchase coverage and generate their own Certificates of Insurance.
That structure creates a stronger opportunity for profit and loss participation — a key factor in IC classification — and removing settlement deductions also eliminates premium leakage when a contractor separates with an underfunded account. It's why one of the largest LTL carriers in the country moved to this platform.
The platform
Powered by CargoLabs
IDI exclusively uses the CargoLabs digital platform to produce instant, immutable, digitally produced coverage — a fully digital insurance marketplace built for modern insurance agencies and the pace of today's supply chain.
Ready to move at the speed of freight?
Whether you're an agency looking to modernize or a carrier that needs coverage tonight — reach out and we'll get you rolling.