Paperwork
Coverage documents, collection and commission reporting remain labor-intensive.
Generated, delivered and reconciled automatically.
Wholesale insurance · small-fleet trucking
Commercial insurance operates on banker’s hours.
Trucking does not.
idi is a wholesale insurance agency built on instant 24/7 technology — quote, bind, collect payment and issue the certificate the moment the load is ready.
Open 24 / 7 / 365 — including 2 a.m. on a Sunday
< 60 seconds
From quote to bound policy, day or night
65%
of commission consumed by servicing drag
87%
of the trucking supply chain runs 1–7 unit fleets
24/7
Quote, bind, collect and certify — always on
What idi is
A wholesale insurance agency running on trucking's clock
idi writes wholesale coverage for trucking fleets — powered by instant, always-on technology that carries the account from quote all the way to certificate without a human in the loop.
01
Quote
Appetite and pricing returned in seconds, not days.
02
Bind
Coverage is live the moment payment confirms.
03
Collect
Card, per-trip, monthly or annual — no financing drag.
04
Certify
Certificates issued instantly for shippers and brokers.
The collision
A 24/7 economy hitting a 9-to-5 wall
Freight moves around the clock. Manual servicing does not — and the cost of that mismatch is why roughly 90% of the supply chain, the under-7-unit fleets, gets structurally overlooked by conventional distribution.
Leakage
Human error and manual tracking erode underwriting profits.
One system of record — no rekeying, no lost premium.
Delay
Traditional offline handling stretches every transaction and claim.
Bound the second payment confirms.
Hours
Customers operate 24/7; insurance operates 9-to-5.
idi never closes. Neither does the freight.
The mechanic
THE OLD WAY DRAGS. IDI DOESN'T WAIT.
Getting secured funds to protect you and your insurer is the real cause of delay. We removed the friction — credit card number in, policy out.
The old way
Quote
Arrange financing
Wait for approval
Chase payment
Bind
The idi way
Quote
Card
Bound
Bound the moment payment confirms
Per-trip, monthly or annual auto-renew via Stripe, or Klarna. None of it delays the bind.
Current lines
Exclusive programs, now within reach
Three programs historically reserved for the largest agencies — written wholesale, bound instantly.
01
Physical Damage
Coverage for the tractor and trailer itself — collision, upset, fire, theft and specified perils for 1–7 unit fleets.
02
Excess Cargo
Motor truck cargo protection for the freight in transit, with instant certificate issuance for shippers and brokers.
03
Occupational Accident
Injury protection for owner-operators and contracted drivers where workers' compensation doesn't apply.
Scope note: idi does not write primary auto liability or general liability. Those lines stay with the customer's retail agent — by design.
Why idi
65% of commission is overhead
A retail agent earns roughly 10% commission on premium — and about 6.5 of those points get consumed by backroom servicing: collecting premium, processing endorsements, verifying proof of coverage. A small fleet takes the same servicing hours as a large one and pays a fraction of the commission. idi automates that work away, so the time you spend is worth far more.
Near-passive commission
Servicing work that used to eat the margin is automated end to end.
A recruiting tool
New producers prospect and sell instead of drowning in unpaid service work.
Next step
Two doors. Same minute.
Whether you place business or haul it, the path to bound coverage is the same length: about sixty seconds.