Reliable protection for fleets operating between the U.S. and Mexico.
Your business depends on seamless cross-border operations, and the right insurance is critical for compliance, risk protection, and financial security. S.W.A.N. Insurance specializes in tailored coverage for trucking companies transporting goods across international borders, ensuring you meet regulatory requirements while keeping your fleet on the road.
Why Choose S.W.A.N. Insurance for Cross-Border Trucking?
We understand the unique risks and challenges of operating across borders and B1 Visa Drivers. Our expertise ensures you have the right coverage at the best possible rates while maintaining compliance with DOT filings, CA MCP65, and FMCSA requirements.
- Preparation for a Captive. – Create a 24 month plan with our Fleet safety programs, dynamic technology platform and financial assessment model.
- Compliance-Ready Coverage – Tailor your coverage to meet the contractual requirements of Managed Care Organizations (MCO’s)
- Dedicated Claims Support – Our internal claims management team manages the claims process. We understand the unique challenges of the NEMT industry.
- Technology Platform for Driver Management
- Fleet Safety & Risk Management – Gain access to a Certified Fleet Safety Consultant for proactive risk reduction.
- Preparation for a Captive. – Create a 3 year plan with our Fleet safety programs, and financial assessment model.
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Tailored Insurance Policies
Policies designed for your crossborder operations and risk factors.
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Preparation for a Captive
Create a 24 month plan with our Fleet safety programs, dynamic technology platform and financial assessment model.
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Claims Support and Risk Management
Assistance in handling claims, improving safety scores, and reducing insurance costs
Subject Matter Expert
Kevin Mealey
Cross-Border Transportation Specialist
Speak to a Specialist
For Access and approval to our Exclusive NEMT Insurance Program please complete the auto application and upload all required documentation, as this is a specific NEMT Insurance all lines program, all required documents must be uploaded for submission to be completed.
Introducing the DRIVE Program
Better rates. Stronger carriers. Safer fleets. DRIVE is S.W.A.N.’s proactive risk management system — included at no additional cost for clients — that helps your fleet become best-in-class before renewal, not during it.
Resources
Explore Our Cross Border Trucking Resources
Frequently Asked Questions
Have Questions? We Have Answers.
We’re here to help you navigate Cross-Border Trucking insurance. If you don’t see your question listed, feel free to reach out to our team for assistance.
How do you align with our safety and operations team to ensure regulatory compliance inside the U.S.?
We work directly with your safety and compliance managers to implement a structured framework for U.S. regulatory adherence, not just insurance coverage.
This includes managing FMCSA filings, ensuring certificate accuracy for every contract, tracking driver and vehicle changes in real time through our ARM platform, and conducting monthly compliance audits to surface and correct gaps before they create exposure.
We are not reacting to violations, we are working with your internal team to prevent them.
This includes managing FMCSA filings, ensuring certificate accuracy for every contract, tracking driver and vehicle changes in real time through our ARM platform, and conducting monthly compliance audits to surface and correct gaps before they create exposure.
We are not reacting to violations, we are working with your internal team to prevent them.
What separates your firm from national brokers or general trucking agencies?
We do not operate as a volume-driven, transactional brokerage.
We serve a focused portfolio of mid-size and large cross-border fleets, providing a level of operational integration that most agencies cannot offer.
You will not get passed around. You will work directly with a cross-border team that has carrier-side experience, understands the risk profile of binational logistics, and integrates compliance, claims, and operations into one coordinated strategy.
We are not your policy provider. We are your risk partner.
We serve a focused portfolio of mid-size and large cross-border fleets, providing a level of operational integration that most agencies cannot offer.
You will not get passed around. You will work directly with a cross-border team that has carrier-side experience, understands the risk profile of binational logistics, and integrates compliance, claims, and operations into one coordinated strategy.
We are not your policy provider. We are your risk partner.
How do you support claims management at scale across multiple terminals or regions?
We provide centralized, bilingual claims support with visibility across all your operational points.
Our in-house claims team initiates within the first 24 hours of a loss and we maintain consistent communication with your safety lead or claims administrator throughout the lifecycle of the file. We tailor our process to match your internal structure whether that means routing reports to a dedicated risk manager or syncing with a TPA or legal team.
The goal is to accelerate recovery, control costs, and minimize operational downtime
Our in-house claims team initiates within the first 24 hours of a loss and we maintain consistent communication with your safety lead or claims administrator throughout the lifecycle of the file. We tailor our process to match your internal structure whether that means routing reports to a dedicated risk manager or syncing with a TPA or legal team.
The goal is to accelerate recovery, control costs, and minimize operational downtime
What does your onboarding process look like for established fleets with existing compliance systems?
We begin with a comprehensive risk review that includes your current insurance program, safety protocols, and operational structure.
From there, we work alongside your department leads to seamlessly integrate our compliance technology, ARM, into your workflows.
We respect the systems you already have in place. Our job is to strengthen them, not replace them.
This transition is coordinated by a dedicated cross-border service team experienced in working with complex fleet operations.
From there, we work alongside your department leads to seamlessly integrate our compliance technology, ARM, into your workflows.
We respect the systems you already have in place. Our job is to strengthen them, not replace them.
This transition is coordinated by a dedicated cross-border service team experienced in working with complex fleet operations.
Can you accommodate frequent certificate changes and specialized COI language from brokers and shippers?
Yes, and we are built for it.
We have a dedicated certificate service team that handles high-volume COI requests with same-day turnaround during business hours and 24/7 access via our NowCerts portal.
We also support custom certificate language, naming conventions, and special endorsement wording per broker requirements.
Because we work closely with fleet-level safety and dispatch personnel, our team knows how to match the urgency and detail your operations require.
We have a dedicated certificate service team that handles high-volume COI requests with same-day turnaround during business hours and 24/7 access via our NowCerts portal.
We also support custom certificate language, naming conventions, and special endorsement wording per broker requirements.
Because we work closely with fleet-level safety and dispatch personnel, our team knows how to match the urgency and detail your operations require.
How do you proactively manage FMCSA and DOT-related exposures?
Through a combination of monthly audits, filing oversight, and direct consultation with your compliance manager, we ensure that your program remains in good standing across federal systems.
We monitor for pending expirations, incorrect filings including BMC-91X and MCS-150, and visibility issues that could affect your ability to book loads or pass inspections.
When something shifts, such as a unit swap, new operating route, or shift in driver structure, we are in sync with your team to make sure risk does not get ahead of coverage.
We monitor for pending expirations, incorrect filings including BMC-91X and MCS-150, and visibility issues that could affect your ability to book loads or pass inspections.
When something shifts, such as a unit swap, new operating route, or shift in driver structure, we are in sync with your team to make sure risk does not get ahead of coverage.
How do you support bilingual communication across operational departments?
Our entire cross-border team is bilingual in English and Spanish and experienced in coordinating with binational dispatch, driver management, and terminal staff.
Whether it is issuing COIs, walking a driver through a roadside incident, or collaborating with your team on claims documentation, clear communication is never a bottleneck.
This ensures your front-line teams stay informed, aligned, and empowered to respond quickly.
Whether it is issuing COIs, walking a driver through a roadside incident, or collaborating with your team on claims documentation, clear communication is never a bottleneck.
This ensures your front-line teams stay informed, aligned, and empowered to respond quickly.
What systems do you have in place to help our team maintain oversight across our U.S. operations?
Our clients use the ARM platform, Assistance for Risk Management, a secure portal that brings together driver and unit management, certificate and endorsement tracking, real-time claim visibility, monthly compliance reporting, and audit-ready document access.
We provide logins by role for risk, safety, and operations personnel to ensure your team has the tools and reporting access needed to make informed decisions across terminals.
We provide logins by role for risk, safety, and operations personnel to ensure your team has the tools and reporting access needed to make informed decisions across terminals.
How do you help prevent loss beyond just processing claims?
We collaborate with your safety lead to identify patterns, exposures, and operational inefficiencies that drive claim frequency or severity.
This includes data from prior losses, roadside events, maintenance records, and driver turnover, supported by monthly claim reviews and benchmarking.
We also connect you with pre-vetted training resources including ELD-integrated safety coaching and defensive driver refreshers if desired.
Our goal is to reduce loss ratios while supporting your safety culture.
This includes data from prior losses, roadside events, maintenance records, and driver turnover, supported by monthly claim reviews and benchmarking.
We also connect you with pre-vetted training resources including ELD-integrated safety coaching and defensive driver refreshers if desired.
Our goal is to reduce loss ratios while supporting your safety culture.
What level of involvement do you maintain throughout the policy term?
Our engagement does not stop after binding.
We provide ongoing policy management, monthly driver and unit audits, endorsement tracking, and quarterly strategic reviews with your operations leadership.
We remain a day-to-day resource for your safety and compliance managers and ensure your insurance strategy evolves as your operation does.
We are in your corner all year, not just at renewal.
We provide ongoing policy management, monthly driver and unit audits, endorsement tracking, and quarterly strategic reviews with your operations leadership.
We remain a day-to-day resource for your safety and compliance managers and ensure your insurance strategy evolves as your operation does.
We are in your corner all year, not just at renewal.
