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Protect your trucks, drivers, and operations with coverage built for the risks of the road.
Coverage for bodily injury or property damage claims from accidents involving your truck.
Collision and comprehensive options to repair or replace covered damage to your truck.
Coverage for certain cargo losses while goods are in transit (terms vary by policy).
Protection for non-owned trailers in your care, custody, or control (when required).
Coverage that can apply when a truck is used for non-business purposes (availability varies).
Common add-ons include rental reimbursement/downtime options, hired & non-owned, and higher limits based on contracts.
Why You Need It
Commercial trucking insurance protects your trucks, your drivers, and your business from the risks of the road. From accidents to cargo loss and liability claims, the right coverage helps keep your operations running and your finances protected.
Owner-operators and small operations getting started.
Regional carriers with more lanes and equipment.
Fleets or specialized operations with contract requirements.
Operation and radius
Local vs. interstate operations and lane geography can affect premium.
Cargo type
Certain cargoes have higher theft or severity risk, impacting pricing.
Driver history
MVR activity, claims, and experience affect underwriting and rates.
Equipment type and value
Newer or higher-value units generally increase physical damage cost.
Loss history
Prior losses can impact availability and premium depending on carrier.
Safety and controls
Telematics, safety programs, and maintenance practices can improve outcomes.
They overlap, but trucking often needs additional coverages and endorsements (like cargo or trailer interchange) depending on contracts and operations.
If you haul goods, cargo coverage is commonly required by shippers or brokers. We'll confirm the right option for your loads and contracts.
Turnaround varies by equipment, drivers, cargo, and carrier requirements. We'll confirm timing after we review the basics.
Yes. We can quote coverage for owner-operators and fleets with multiple units.
We can quote options for local, regional, and interstate operations depending on carrier availability and underwriting.
Limits depend on contracts, filings, and risk exposure. We'll recommend options based on your operations and requirements.
Availability varies by carrier and operation. We'll confirm what applies to your setup and dispatch arrangements.
If you haul trailers you don't own under a written interchange agreement, this coverage may be required. We'll confirm based on your contracts.
Quote Support
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