# Full Coverage LLC — Truck Insurance Broker

> Full Coverage LLC is an independent commercial trucking insurance brokerage based in Indianapolis, Indiana. Founded by Nazar Mamaev, we compare rates from 30+ A-rated insurance carriers to find the best coverage for motor carriers, owner-operators, and fleets of all sizes. Licensed in 46 US states (all except New York, Virginia, Hawaii, Alaska). We specialize in new authority carriers, hazmat operations, and hard-to-place risks, and we operate a free FMCSA carrier-intelligence tool used to pre-fill applications.

## Coverage Programs

- [Owner-Operator Insurance](https://myfullcoverage.com/services/owner-operator): Primary auto liability, physical damage, and non-trucking/bobtail liability built around a single power unit.
- [Fleet Insurance](https://myfullcoverage.com/services/fleet-insurance): Scaled programs for 2 to 200+ power units, telematics-based pricing, consolidated renewals.
- [New Authority Insurance](https://myfullcoverage.com/services/new-authority): Day-one coverage for brand-new MC numbers, with BMC-91X and MCS-90 filings submitted same day.
- [Motor Truck Cargo Insurance](https://myfullcoverage.com/services/cargo-insurance): Freight protection per 49 CFR 387, Carmack Amendment compliance, reefer breakdown, BMC-32/34 filings.
- [Truckers Liability (Auto Liability)](https://myfullcoverage.com/services/truckers-liability): BIPD coverage for trucking operations, $750K–$5M limits, MCS-90 endorsement.
- [Physical Damage Insurance](https://myfullcoverage.com/services/physical-damage): Comprehensive, collision, and specified-perils coverage for power units and trailers.

## Coverage by Truck Type

- [Semi-Truck Insurance](https://myfullcoverage.com/truck-insurance/semi-truck) — OTR, regional, sleeper, day cab
- [Box Truck Insurance](https://myfullcoverage.com/truck-insurance/box-truck)
- [Dump Truck Insurance](https://myfullcoverage.com/truck-insurance/dump-truck)
- [Flatbed Insurance](https://myfullcoverage.com/truck-insurance/flatbed)
- [Reefer / Refrigerated Insurance](https://myfullcoverage.com/truck-insurance/reefer)
- [Tanker Insurance](https://myfullcoverage.com/truck-insurance/tanker)
- [Tow Truck Insurance](https://myfullcoverage.com/truck-insurance/tow-truck)
- [Hotshot Insurance](https://myfullcoverage.com/truck-insurance/hotshot)
- [Car Hauler Insurance](https://myfullcoverage.com/truck-insurance/car-hauler)
- [Logging Truck Insurance](https://myfullcoverage.com/truck-insurance/logging)
- Full index: [All truck types](https://myfullcoverage.com/truck-insurance)

## Coverage by State

- State-by-state commercial truck insurance guides for 46 licensed states. Index: [All states](https://myfullcoverage.com/locations)
- High-volume examples: [Texas](https://myfullcoverage.com/locations/texas), [California](https://myfullcoverage.com/locations/california), [Florida](https://myfullcoverage.com/locations/florida), [Georgia](https://myfullcoverage.com/locations/georgia), [Illinois](https://myfullcoverage.com/locations/illinois), [Ohio](https://myfullcoverage.com/locations/ohio), [Indiana](https://myfullcoverage.com/locations/indiana)

## Cost Guides

- [Trucking Insurance Cost Guide](https://myfullcoverage.com/trucking-insurance-cost-guide): What commercial truck insurance actually costs and the factors that move premiums.
- [2026 Commercial Truck Insurance Cost Report](https://myfullcoverage.com/commercial-truck-insurance-cost-2026): Current-year rate benchmarks by operation type.
- Per-type cost pages exist at `/truck-insurance/{type}/cost` (e.g. [semi-truck cost](https://myfullcoverage.com/truck-insurance/semi-truck/cost)).

## Comparisons

- [Bobtail vs Non-Trucking Liability](https://myfullcoverage.com/compare/bobtail-vs-non-trucking-liability)
- [Auto Liability vs General Liability](https://myfullcoverage.com/compare/auto-liability-vs-general-liability-trucking)
- [Owner-Operator vs Motor Carrier](https://myfullcoverage.com/compare/owner-operator-vs-motor-carrier)
- [BMC-84 vs BMC-85](https://myfullcoverage.com/compare/bmc-84-vs-bmc-85)

## Free Tools

- [Carrier Safety Lookup Tool](https://lookup.myfullcoverage.com): Search 4.4M+ FMCSA carriers by DOT, MC, name, VIN, or plate. Safety scores, inspection history, insurance filings, violation data, fleet details. Free, no login.
- [Smart Insurance Application](https://lookup.myfullcoverage.com/apply): Enter a DOT number and ~80% of the application is pre-filled from FMCSA records. About 5 minutes.
- [Safety Management Plan Generator](https://lookup.myfullcoverage.com/safety-plan-generator): AI-generated safety plans with corrective actions based on a carrier's FMCSA violations, BASIC scores, and inspection history.
- [VIN Lookup Tool](https://lookup.myfullcoverage.com/vin-lookup): Find which carrier operated a vehicle and their insurance policy from a VIN.

## Blog & Resources

- [Trucking Insurance Blog](https://myfullcoverage.com/blog): Articles on coverage requirements, cost-saving strategies, regulatory changes, and city/state guides.
- [Insurance Glossary](https://myfullcoverage.com/resources): Definitions of trucking insurance terms — BASIC scores, MCS-90, BMC-91X, BOC-3, and more.
- Start a Trucking Company: state-by-state guides to getting authority and day-one coverage (e.g. [Indiana](https://myfullcoverage.com/start-a-trucking-company/indiana), [Texas](https://myfullcoverage.com/start-a-trucking-company/texas)).

## About

- **Founded by**: Nazar Mamaev, licensed insurance broker, President
- **Location**: 406 E. New York St, Indianapolis, IN 46202
- **Phone**: (317) 427-5599
- **Email**: nazar@myfullcoverage.com
- **Website**: https://myfullcoverage.com
- **Carrier Lookup Tool**: https://lookup.myfullcoverage.com
- **Licensed in**: 46 US states (all except New York, Virginia, Hawaii, Alaska)
- **Markets**: 30+ A-rated carriers including Progressive Commercial, Sentry, National Indemnity, Canal Insurance, Northland Insurance

## What Makes Us Different

- Free carrier safety lookup tool with 4.4M+ FMCSA carriers — no other broker offers this.
- Applications pre-filled from government FMCSA data, so carriers don't re-enter what the government already knows.
- AI-powered safety management plans generated from actual violation and inspection data.
- Carrier intelligence reports with risk scoring, BASIC trend analysis, and nuclear-verdict exposure.
- We specialize in new-authority carriers that most brokers turn away.