"My MC was 40 days old. My agent walked me through the IUL and the accident plan in 25 minutes — in Spanish. Two months later I was in the ER for a back injury. The hospital plan paid me directly. My family didn't lose a week of income."
Carlos R.
For Owner-Operators · English & Español
You built the business. Now protect everything you put on the line.
Commercial insurance keeps your truck legal. Life and health insurance keep your family standing if something happens to you. The Nia for Insurance Trucker Bundle handles all three — in one conversation, with a licensed agent who speaks your language.
Licensed Texas-based agents
Bilingual support
No binding pressure
16 yrs
Lower life expectancy
for U.S. truck drivers
for U.S. truck drivers
$750K
FMCSA-required liability
minimum to operate
minimum to operate
3-in-1
Commercial + Life + Health
in one bundle conversation
in one bundle conversation
2 Languages
English & Spanish — same
agent, same coverage
agent, same coverage
The Nia for Insurance Trucker Bundle
Three policies. One conversation. Total protection.
Most truckers buy commercial insurance because the law forces them to. Then they get blindsided when life happens. The bundle solves all three protection layers in one sit-down — so you walk away covered, not exposed.
01 · Commercial
Trucking Liability + BMC-91
The mandatory coverage FMCSA requires to operate. Your agent sources it through a licensed P&C partner, files the BMC-91, and gets your authority active fast.
02 · Life
Indexed Universal Life (IUL)
If something happens to you out on the road, your family doesn't lose the truck, the house, or the business you just built. IULs grow cash value while you're alive.
03 · Health
Accident + Hospital Indemnity
Truckers face higher injury and hospitalization rates than almost any other profession. These plans pay cash directly to you for accidents, ER visits, and hospital stays.
The Trucker Reality
Your job is harder than people realize. So is the gap in coverage.
Most agents treat owner-operators like any other small business. They don't account for the 14-hour days, the hotel-and-truck-stop diet, the months away from family, or the FMCSA rules that change what you can buy.
We built this around your reality — not theirs.
16 yr
Life expectancy gap vs. U.S. average
73%
Of owner-operators have no personal life policy
20 day
FMCSA forced buying window for commercial
$10K+
Average out-of-pocket from one ER visit
Educational Cost Ranges
What truckers typically pay for full bundle coverage.
These are real-world ranges. Your final number depends on your age, health, fleet size, MC# tenure, and coverage levels. Your agent gives you the exact quote.
Commercial Trucking
$750K–$1M liability, cargo, BMC-91 filing
$1,200 – $3,000
per month
Life (IUL preferred)
$500K–$1M death benefit + cash value
$250 – $500
per month
Health Bundle
Accident + hospital indemnity + critical illness
$200 – $400
per month
Total bundle range
$1,650 – $3,900 / mo
These are educational estimates — not binding quotes. Your licensed agent will run your exact numbers based on age, health, location, MC tenure, fleet size, and coverage selections.
How It Works
Three steps. No pressure. No spam calls.
1
Tell us when to call
Drop your name, MC number, and best time to reach you — morning, afternoon, or evening. A licensed agent texts or calls you in that window. English or Spanish, same agent handles both. No long forms — two minutes, done.
2
Walk through your situation
Your agent asks about your MC#, your family, your fleet, your health. They tell you what makes sense — and what doesn't — for someone in your position.
3
See your real numbers
Real quotes. Real carrier options. You decide what to bind and when. No high-pressure script, no surprise fees.
Real Trucker Stories
Who we've sat down with.
Names changed. Situations real. This is what the bundle conversation actually looks like.
Houston, TX · Owner-Op
Dallas, TX · 4-Truck Fleet
"I had commercial covered. I had nothing on me personally. When my agent showed me what key-man insurance would do for my business and my wife if I went down, I bound it the same week. Best business decision of the year."
Marcus T.
Brownsville, TX · Owner-Op
"Mi esposo y yo manejamos juntos. Nadie nos había explicado el seguro de vida en español hasta que conocimos a Nia. Ahora tenemos el bundle completo — y mi familia está protegida si algo pasa en la carretera."
María V.
Why a Licensed Agent
A robot can't write your policy. A real agent can.
There are sites that quote you online and disappear. We're not that. Every bundle goes through a licensed human who knows the FMCSA rules and the carrier appetite for new MC#s.
Carrier appetite knowledge
New MC#s get declined or surcharged by half the market. Your agent knows who will write you and who won't.
BMC-91 filing handled
Your agent's P&C partner files the BMC-91 directly with FMCSA — no DIY paperwork, no missed deadline.
Bilingual & culturally fluent
Spanish-speaking? Your agent handles the entire conversation in Spanish — application, signing, claims if needed.
Claims advocacy
If you ever file a claim, your agent fights it with you — not against you. That's why we don't sell direct-to-consumer.
Ready when you are
Tell us when to call. A licensed agent will follow up.
No pressure. No robo-calls. Share your details in the form and your preferred conversation window.
English & Español · Licensed in Texas · No spam. No robo-calls.