Industry Insights: A Collaboration with Tommy Ruke & meshVI
We are proud to share these foundational resources. As the Founder of the Motor Carrier Insurance Education Foundation (MCIEF), Tommy Ruke has spent decades shaping the standards of our industry.
meshVI is honored to collaborate with Tommy to bring these educational materials to our community.
Broker Carrier Summit - Kansas City
April 29, 2026
Are you truly protected, or just holding a piece of paper? Join Tommy Ruke and Andy Sharpe for a 2-hour intensive session as we move beyond the standard COI to identify ‘Restriction Gaps’ that leave brokers and carriers exposed. Discover how to use modern data and technical policy mechanics to ensure the protection you expect is actually there before the load is assigned.
Featured Whitepaper: The Insurance Sugar Pill
Co-Authored by Rob Moseley & Tommy Ruke
In this foundational guide, trucking insurance legends Tommy Ruke and
Rob Moseley explain why demanding “Additional Insured” status is often
a “sugar pill” providing a sense of security without adding actual legal or financial benefit.
Key Insights:
- Standard ISO policies already protect against vicarious liability.
- Why the “Designated Insured” endorsement is actually the broadest protection.
- Critical traps regarding Cargo Liability and “Care, Custody, and Control.”
About Tommy Ruke
Known as the ‘King of Trucking Insurance,’ Tommy Ruke is the Founder of the Motor Carrier Insurance Education Foundation (MCIEF) and a premier educator for transportation professionals. His work with meshVI bridges the gap between traditional industry expertise and modern technological application.
Myth #1: The Additional Insured Trap
Many brokers demand 'Additional Insured' status, but this often provides a false sense of security. Tommy explains why the Designated Insured endorsement is actually the superior legal heavyweight for broad protection.
Myth #2: The 'All Risk' Cargo Illusion
Think your cargo is covered for everything? There is no such thing as an 'All Risk' policy. We identify the specific property exclusions and 'When Responsible' gaps that leave your loads vulnerable.
Myth #3: The 91X Filing is "Coverage"
A BMC-91X filing at the FMCSA is a public record of financial responsibility, not a guarantee of a broad insurance policy. It only satisfies public liability requirements, it does not ensure the carrier has Cargo or other coverage to protect your specific freight or equipment.