Trucking Insurance
Comprehensive insurance solutions for trucking companies, owner-operators, and fleet managers
Specialized Trucking Insurance
Trucking insurance is specialized commercial coverage designed for the unique risks faced by trucking operations. Whether you're an owner-operator, small fleet, or large carrier, we provide comprehensive protection tailored to your specific needs.
Why Specialized Coverage Matters: Standard commercial auto insurance isn't enough for trucking operations. You need coverage that addresses federal requirements, cargo liability, higher liability limits, and the unique risks of long-haul and local delivery operations.
We work with carriers who understand the trucking industry and can provide competitive rates for both new ventures and established operations.
Comprehensive Trucking Coverage
Complete protection for your trucking operation
Primary Liability
Required federal coverage starting at $750,000 for most operations, with higher limits available for hazmat and other specialized cargo.
Cargo Insurance
Protection for goods in transit, covering loss or damage to cargo you're hauling for customers. Typically required by shippers and brokers.
Physical Damage
Comprehensive and collision coverage for your trucks and trailers, protecting your investment in equipment.
General Liability
Coverage for non-trucking operations, including loading/unloading activities and premises liability at your business location.
Non-Trucking Liability
Also called "bobtail insurance," covers your truck when not under dispatch, such as driving home or personal use.
Occupational Accident
Alternative to workers compensation for owner-operators, providing medical and disability benefits for on-the-job injuries.
Trucking Operations We Cover
We provide insurance for all types of trucking operations:
Long-haul and over-the-road trucking
Local and regional delivery
Refrigerated (reefer) transport
Flatbed and specialized hauling
Dry van and box truck operations
Owner-operators and fleet operations
Common Claim Scenarios
Real situations where proper insurance coverage protects your business
Highway Accidents
Multi-vehicle collision on the highway resulting in injuries, vehicle damage, and cargo loss requiring comprehensive liability coverage.
Cargo Damage or Theft
Valuable cargo is damaged during transport or stolen from a truck stop, requiring cargo insurance to reimburse the shipper.
Equipment Breakdown
Truck breaks down far from home, requiring expensive repairs and towing, plus lost revenue during downtime.
Loading/Unloading Injuries
Driver or dock worker is injured during loading operations, requiring general liability and workers compensation coverage.
Related Insurance Products
Ready to Protect Your Business?
Whether you're an owner-operator or managing a fleet, we'll find you competitive rates with carriers who understand the trucking industry.