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Commercial Trucking Insurance

Tailored coverage for owner-operators, fleets, and everything in between.

Trucking Industry Overview

Trucking businesses are the lifeblood of commerce, transporting goods across cities, states, and the country. From owner-operators to large fleets, this sector faces unique challenges and risks every day on the road and at the loading dock. Our trucking insurance solutions are designed to keep your business moving forward safely and confidently.

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Key Coverages for Trucking Businesses

  • Auto Liability Insurance: Protects against third-party bodily injury and property damage claims — the foundation of every trucking policy.
  • Physical Damage Insurance: Protects against collision, theft, or other damage to your trucks.
  • General Liability Insurance: Protects against claims arising from accidents, injuries, or property damage involving your trucks.
  • Umbrella / Excess Liability Insurance: Adds an extra layer of liability coverage, critical given the potential severity of accidents.
  • Motor Truck Cargo Insurance: Safeguards freight from loss or damage during transit, whether local or cross-country.
  • Trailer Interchange Coverage: Covers physical damage to non-owned trailers under a trailer interchange agreement.
  • Workers’ Compensation: Ensures drivers and staff are protected in case of work-related injuries.
  • Garagekeepers Insurance: For trucking businesses that store or service customer trucks or trailers

 

FAQ

Frequently Asked Questions about Commerical Trucking Insurance

 

Federal law requires liability coverage, and most contracts require cargo insurance. Additional coverages depend on your operation.

Costs vary based on fleet size, routes, cargo type, and driving records. We provide tailored quotes to fit your business.

Yes — policies are customized based on whether you operate under your own authority or lease to a motor carrier.

If you are pulling someone else’s trailer under a trailer interchange agreement, then yes you need this coverage.  It will cover damages to the non-owned trailer while in your care.

Primary liability covers accidents involving the truck while driving (injuries or property damage to others)

General liability covers non-driving incidents like injuries at your business location or damage during loading / unloading.

How can we help

We’re here to assist you with any of your commercial vehicle needs.
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