COGO INSURANCE
AI-powered commercial trucking insurance MGA, built by fleet owners for owner-operators and small fleets.
Overview
COGO Insurance is an AI-powered trucking insurance MGA founded by fleet owners with real-world, tech-enabled trucking experience. Based in Dayton, Ohio, COGO specializes in commercial auto and trucking insurance for owner-operators, small fleets, and new entrants to the trucking industry.
The company leverages proprietary AI technology to improve underwriting accuracy, reduce fraud, increase profitability, and position itself for the emerging era of autonomous trucks. COGO maintains relationships with 30+ major insurance carriers and offers a comprehensive suite of trucking coverages through a wholesale agency model that recruits and appoints retail agents.
COGO participated in the Plug and Play Insurtech accelerator program in 2022 and has received recognition from InsuretechConnect, the Dayton Entrepreneur Center, and USDOT/FMCSA. The company is ISO 27001 certified with leadership holding CISM and SecurityX credentials.
Products & Services
Trucking Insurance Program
Comprehensive coverage for commercial trucking operations, designed for owner-operators and small fleets.
Key Features
- Primary Auto Liability (legally required for commercial trucking)
- Motor Truck Cargo (MTC)
- Physical Damage (collision and comprehensive)
- Occupational Accident / Workers Compensation equivalent
- Non-Trucking Liability
- General Liability
- Hazmat and specialized coverages
Target Users: Owner-operators, small trucking fleets, new entrants to the trucking industry
Distribution: Wholesale through appointed retail agents; direct access also available
Commercial Lines Program
Broader commercial insurance offerings for business owners beyond trucking.
Key Features
- Business Owners Policy (BOP)
- Commercial General Liability
- Commercial Property
- Professional Liability (D&O, E&O, EPLI)
- Cyber Liability
- Business Interruption
Target Users: Small to mid-sized businesses, commercial property owners
Distribution: Retail agents and direct
Personal Lines Program
Personal insurance products offered through COGO's carrier network.
Key Features
- Homeowners Insurance
- Personal Auto Insurance
- Life Insurance
Target Users: Individuals, owner-operators seeking personal coverage
Distribution: Direct and agent-referred
At a Glance
- Founded
- 2022
- Headquarters
- Dayton, Ohio, USA
- Employees
- 1-10
Category & Focus
Links
Last updated: 2026-05-11