Episode #67
Mile Marker 67 – Harish Kapur on Truck Insurance, Premiums, and Protecting Your Business
We sit down with Harish Kapur, president and co-owner of Across America Insurance, to talk about one of the biggest pressure points facing truckers and fleets today: rising insurance costs. From owner operators to larger carriers, insurance premiums continue to climb, but Harish explains why the conversation should not start and end with price. It should start with coverage, claims support, and the right broker relationship. Harish shares his path into the insurance industry, how Across America Insurance was built, and why his team focuses on working with agencies that care about customers, not just production. He breaks down the role of an MGA, why claims handling matters, and how truckers can better protect themselves before something goes wrong. Harish discusses: -Why trucking insurance premiums keep rising, including claims costs, legal pressure, nuclear verdicts, and the challenges insurance companies face when defending trucking claims -Why truckers should build a professional relationship with an insurance broker who explains coverage, exclusions, driver requirements, cargo limitations, and physical damage terms clearly -How dash cams, scene photos, license plate photos, police reports, and early communication with the insurance company can help protect a trucker after a crash -The risks around cargo theft, including unattended trailers, unsecured yards, high-value loads, GPS tracking, and knowing whether cargo and physical damage policies actually cover the situation This episode is a practical guide to understanding trucking insurance beyond the monthly premium. Harish makes it clear that the cheapest policy is not always the safest choice, and that asking the right questions before a claim can make all the difference when your truck, cargo, business, and livelihood are on the line. What’s next? Tune in weekly for new episodes! Visit the Mack Shop to use your discount code: https://mackshop.com/ Book a virtual truck tour! https://www.macktrucks.com/live-tour/

