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  <!-- HOMEPAGE -->
  <url>
    <loc>https://moxieriskpartners.com/</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- MAIN NAVIGATION PAGES -->
  <url>
    <loc>https://moxieriskpartners.com/about-us</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/contact-us</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/coverage-options</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/quote-form</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/file-claims</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/faq-page</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- INDUSTRY PAGES (HIGH PRIORITY - MAIN SERVICE AREAS) -->
  <url>
    <loc>https://moxieriskpartners.com/trucking-transportation</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/construction-coverage</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>

  <url>
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    <lastmod>2025-10-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/non-profit</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/public-entity</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- COVERAGE TYPE PAGES (SPECIFIC INSURANCE PRODUCTS) -->
  <url>
    <loc>https://moxieriskpartners.com/commercial-auto-liability</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/physical-damage</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/motor-truck-cargo</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/owner-operator</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/workers-compensation</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- LEGAL/COMPLIANCE PAGES -->
  <url>
    <loc>https://moxieriskpartners.com/privacy-policy</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://moxieriskpartners.com/terms-service</loc>
    <lastmod>2025-10-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

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