NAICS UNIVERSITY · Free research for insurance agents
General Freight Trucking, Long-Distance, Less Than Truckload
NAICS 484122 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in providing long-distance, general freight, less than truckload (LTL) trucking. LTL carriage is characterized as multiple shipments combined onto a single truck for multiple deliveries within a network. These establishments are generally characterized by the following network activities: local pick-up, local sorting and terminal operations, line-haul, destination sorting and terminal operations, and local delivery.
Start the review with commercial auto liability.
For General Freight Trucking, Long-Distance, Less Than Truckload, the saved research highlights commercial auto liability, motor truck cargo, terminal property and equipment. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- How many power units and trailers are in the fleet, and what is the mix of company-owned versus leased or owner-operator equipment?
- What is the geographic footprint — regional, interregional, or transcontinental linehaul?
- What commodity types move through the network, and are any high-value, temperature-sensitive, or regulated commodities in the mix?
- What are the carrier's current CSA scores and FMCSA safety ratings?
- How many terminal locations are operated, and are they owned or leased?
- For General Freight Trucking, Long-Distance, Less Than Truckload, what should the underwriter know about significant prior auto liability losses, particularly large-verdict or catastrophic-injury claims?
- For General Freight Trucking, Long-Distance, Less Than Truckload, what should the underwriter know about high driver turnover or reliance on lease-on owner-operators with inconsistent safety records?
- For General Freight Trucking, Long-Distance, Less Than Truckload, what should the underwriter know about adverse csa scores or fmcsa compliance issues in the carrier's safety profile?
Activities described by this code
Other activities to examine
- Providing courier services: 492110 — Couriers and Express Delivery Services
- Providing warehousing services of general freight without transportation: 493110 — General Warehousing and Storage
- Providing specialized freight trucking: 4842 — Specialized Freight Trucking
- Operating independent trucking terminals: 488490 — Other Support Activities for Road Transportation
- Providing general freight long-distance truckload trucking: 484121 — General Freight Trucking, Long-Distance, Truckload
- Providing local general freight trucking services: 484110 — General Freight Trucking, Local;
- Providing independent truck driving services (except owner-operators): 488490 — Other Support Activities for Road Transportation
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
LTL carriers pick up smaller freight shipments from multiple shippers, consolidate them at sorting terminals, move consolidated loads over long-distance linehaul routes, then sort and deliver to multiple consignees at the destination end. Operations typically involve a network of terminals, a fleet of tractors and trailers, and both local and over-the-road drivers.
Questions to investigate
- How many power units and trailers are in the fleet, and what is the mix of company-owned versus leased or owner-operator equipment?
- What is the geographic footprint — regional, interregional, or transcontinental linehaul?
- What commodity types move through the network, and are any high-value, temperature-sensitive, or regulated commodities in the mix?
- What are the carrier's current CSA scores and FMCSA safety ratings?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.