Specialized coverage for trucking and transportation operations
Whether you operate a single truck or manage a fleet, trucking insurance protects your business from liability, cargo loss, vehicle damage, and other risks unique to the transportation industry.
Coverage Components
Primary Liability
Covers bodily injury and property damage caused by your commercial truck. The Federal Motor Carrier Safety Administration (FMCSA) requires minimum liability limits based on the type of freight and vehicle weight.
Motor Truck Cargo
Protects the freight you are hauling from damage, theft, or loss during transit. Coverage limits depend on the value and type of cargo you transport.
Physical Damage
Covers repair or replacement costs for your truck if it is damaged in a collision, overturns, or is stolen. This includes both collision and comprehensive coverage for your commercial vehicle.
General Liability
Protects against claims arising from your business operations, such as injuries occurring at your warehouse or during loading and unloading activities.
Non-Trucking Liability (Bobtail)
Covers your truck when it is not under dispatch, such as when you are driving home or using the truck for personal errands.
Occupational Accident
Provides medical and disability benefits for drivers injured on the job, an important alternative to workers' compensation for owner-operators and independent contractors.
What Affects Your Premium?
- Radius of operation: Local, short-haul, or long-haul routes impact your risk profile and premium.
- Cargo type: Hauling general freight differs from transporting hazardous materials or high-value goods.
- Driving history: Clean MVRs and CSA scores help secure better rates.
- Fleet size: Owner-operators and small fleets may have different underwriting requirements than larger operations.
- Coverage limits: Higher liability and cargo limits increase premiums but provide better protection.
Ready for a Quote?
We work with carriers experienced in trucking and transportation insurance. Let us help you find coverage that fits your operation and meets regulatory requirements.
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