Every mile matters.

TER Insurance keeps your fleet protected from the unexpected — so your business keeps moving.

Transport never sleeps — and neither do we.

Based in the heart of the Midwest, we understand your routes, your risks, and your reality. From icy Michigan highways to busy Chicago freight corridors, TER Insurance protects the companies that keep America moving.

Our approach is simple: clear communication, fast response, and coverage that actually fits your business — not the other way around.

One Policy. Total Confidence.

Transport Insurance

TER Insurance is built for the transport industry, offering scalable coverage that grows with you — from single trucks to full fleets.

Business Insurance

Protect your property, equipment, and revenue with tailored coverage that keeps your business stable and resilient.

Claims Assistance

With TER Insurance, you’re not just buying coverage — you’re gaining a partner who advocates for your business during every step of the claims process. Our goal is to simplify claims management, minimize financial disruption, and keep your operations moving smoothly.

Learn more

Fast Claim Response

When something happens on the road, we move fast. Most claims are handled within one business day to keep your operations on track.

Midwest Expertise

We know your industry because we’re part of it. Our team has hands-on experience in logistics, trucking, and commercial insurance across Illinois and Michigan.

Tailored Coverage

No two fleets or businesses are the same. We build custom policies that match your routes, assets, and growth plans.

A+ Rated Carriers

We partner only with financially strong, nationally recognized insurance providers — delivering reliable protection backed by local service.