Massachusetts Fleets Deserve a Sharper Broker.
Well-run trucking, contracting, and delivery operators across MA, NH, RI & CT trust Kovalev to structure commercial auto the right way — tight driver schedules, correct radius filings, real hired & non-owned coverage, and renewals shopped across 20+ top-rated carriers every single year.
Start Your Commercial Auto Quote
Answer a few quick questions and a licensed Massachusetts broker will deliver your custom quote within 24 hours.
Massachusetts commercial auto shouldn't be this stressful.
One DOT-recordable crash just re-priced your entire fleet.
Massachusetts carriers pull CAB reports and MVRs at every renewal. A single at-fault loss or a driver with two speeding tickets can push your fleet into surplus lines — and add $2,000–$8,000 per unit overnight.
Your renewal jumped 22% and nobody shopped it.
MA commercial auto rates are up double digits three years running. If your agent hands you the same carrier every June without a competitive marketing submission, you're the one paying for their laziness.
You're one unlisted driver away from a denied claim.
Hired & non-owned gaps, missing radius filings, wrong garaging address, an employee using their personal car for deliveries — these are the exact holes carriers use to walk away from a six-figure loss. We find them before the adjuster does.
Everything a Massachusetts commercial auto policy should protect
Commercial auto is more than just liability. The right policy protects your vehicles, your drivers, your cargo, and the contracts your business depends on.
Liability Coverage
Bodily injury and property damage liability that meets Massachusetts financial responsibility limits — and the higher limits your contracts actually require.
Physical Damage
Comprehensive and collision coverage for trucks, vans, and trailers — protecting the vehicles your business runs on from theft, weather, and accidents.
Hired & Non-Owned Auto
Coverage that follows your employees when they drive rented vehicles or their own cars on company business — a gap most standard policies leave wide open.
Motor Truck Cargo
Protects the goods you haul against theft, damage, and loss in transit — required by most shippers and brokers before they'll hand you a load.
Trailer Interchange
Covers trailers in your care, custody, and control under a written interchange agreement — critical for owner-operators and trucking fleets.
Uninsured Motorist
Pays for injuries and damage caused by drivers with no insurance or not enough — an increasingly common problem on Massachusetts roads.
Speed. Reliability. True Consultation.
Kovalev Insurance has been protecting Massachusetts businesses for over 20 years from our office in Newton. We're a full-service independent broker with access to more than 20 top-rated carriers including Progressive, Travelers, The Hartford, Liberty Mutual, and Berkshire Hathaway. From single work trucks to full fleets, we handle the parts of commercial auto that quietly cost businesses the most money.
Three simple steps to better coverage
Review Your Policy
Share your current policy, vehicle schedule, and driver list. A licensed Massachusetts broker reviews your coverage, limits, and loss runs to spot gaps and overcharges.
Compare Your Options
We shop top-rated commercial auto carriers like Progressive, Travelers, The Hartford, Liberty Mutual, and Berkshire Hathaway — so you see real coverage and pricing side-by-side.
Secure Your Coverage
Bind your policy with a local broker who stays with you for endorsements, claims, driver adds, and renewals — not just the sale.
Real Massachusetts businesses. Real results.
4.9 average Google review rating from clients across the greater Boston area.
"Kovalev Insurance was a huge upgrade from our previous broker. They took the time to understand how our trucks actually get used, found us better limits, and still brought the premium down. Real people, real answers, same day."
"We switched all of our commercial auto and general liability over to Kovalev and could not be happier. They shopped multiple carriers, explained every coverage in plain English, and were there when we had a claim. Highly recommend to any business owner in the Boston area."
"Fast, honest, and genuinely helpful. They found coverage other agents said didn't exist and saved our fleet thousands on renewal. Best independent agency we've worked with in twenty years."
Frequently asked questions
Lock In Your Commercial Auto Today
Massachusetts commercial auto is tightening — carriers are pushing rates up and getting stricter on driver records. Get a second set of expert eyes on your policy before your next renewal catches you off guard.