S.W.A.N. Insurance | 07/29/2026

If you run a trucking operation, your insurance information reaches far more people than you might think. Every time a broker considers you for a load, they are looking at data about your coverage, and a good deal of that data comes from your insurance agency.

The Highway Certified Insurance Agency program was built around that reality. This guide explains what the certification is, how the program works, and what it means for carriers, whether or not you are a S.W.A.N. client.

First, What Is Highway?

Highway is a technology platform that freight brokers use to verify motor carriers before awarding a load. It specializes in what the industry calls Carrier Identity, which is the work of confirming that a carrier is who they say they are, that their authority is active, and that their insurance is real and in force.

Highway serves more than 1,300 brokers and 175,000 carriers across the country, and it supports most of the brokered freight moving in the United States. When a broker pulls up your profile to decide whether to trust you with a load, there is a strong chance they are looking at you through Highway.

Much of what they see on that profile, your policies, your certificates of insurance, your coverage details, if all of your units are insured properly this originates from your insurance agency.

The Problem the Program Was Built to Solve

Insurance data in freight has never had a shared standard. Certificates of insurance get issued inconsistently. Coverage details go missing. Updates lag behind reality, so a policy that changed weeks ago still shows the old information. And because there was never a defined bar for accuracy, there was no way to tell a diligent agency apart from a careless one.

Those gaps are not just paperwork problems. They are where fraud lives. Bad actors exploit the space between brokers, carriers, and agencies, and the cost of that lands on everyone: brokers who get burned, carriers who face more scrutiny as a result, and honest agencies who have no way to prove they operate at a higher standard.

The Highway Certified Insurance Agency program exists to close those gaps. It is a framework of shared accountability. Rather than hoping the data behind a carrier is reliable, the program sets clear rules for the agencies that produce that data and holds them to it.

What Certification Actually Requires

Certification is not a logo an agency pays for. It comes with real obligations. A Highway Certified Insurance Agency commits to defined standards in three core areas.

Authorization and certificate holder. Highway must be named as certificate holder on all certificates of insurance. Certificates that do not name Highway as certificate holder are rejected. This ensures the platform is receiving coverage information directly and can stand behind what it shows.

Coverage completeness. Certificates must accurately reflect active coverage, including complete VIN-level detail for all scheduled auto policies. No partial schedules. This is what prevents the common situation where a certificate technically exists but leaves out half the equipment it is supposed to cover.

Ongoing policy communication. The agency must promptly notify Highway of any policy cancellation, non-renewal, or change affecting coverage. Certification is not a one-time snapshot. It is a commitment to keep the data current as the real-world policy changes.

Taken together, these standards mean that when insurance data comes from a Certified Agency, a broker can trust that it is accurate, complete, and up to date, because the agency behind it has agreed to a defined bar.

What Certification Means for Motor Carriers

Here is where it gets practical for you as a carrier. The certification belongs to the agency, but the advantage flows to the carriers that agency serves.

Brokers on Highway can see which carriers work with a Certified Insurance Agency. That visibility is a trust signal, and it changes how quickly and how willingly a broker will do business with you.

Faster approvals. When your insurance data comes through a Certified Agency, brokers know it meets defined standards for accuracy and completeness. There is less back-and-forth, less manual verification, and less friction in the approval process.

Fewer compliance holdups. Complete, current, VIN-level coverage data means fewer of the last-minute snags that keep a truck sitting while someone tracks down a missing certificate or an outdated policy detail.

A stronger position when brokers choose who gets the load. When a broker is deciding between carriers, a verified insurance profile makes you easier to approve. Certification removes friction from the hiring process, and carriers who work with Certified Agencies are positioned to win more freight as a result.

Faster renewals when you are insured with us. When S.W.A.N. is your agency, we upload your certificates directly to your Highway profile. Your coverage information lands where brokers are already looking, kept current and complete, so renewals process faster and there is no lag between a policy change and what a broker sees. This is something only your agency can do for you, and it is part of what you get by being insured through a Highway Certified Agency.