Reliable Coverage For The Road Ahead
core Coverages
Whether you run a single rig or a full fleet, trucking insurance helps protect your drivers, cargo, and business from the risks of the road.
We’ll help you build a policy that fits your routes, loads, and liability—without slowing you down with confusing terms or gaps in coverage.
Protection For Your Trucking Operation
Primary Liability Coverage
Primary Liability Coverage
This required coverage helps protect your business if one of your drivers causes damage or injury in an accident. It’s the legal foundation of every trucking insurance policy.
- Covers third-party injury or property damage
- Required by federal & state law
- Applies to accidents involving your truck
- Includes legal defense costs
- Set coverage limits based on vehicle type & haul
Physical Damage Coverage
Physical Damage Coverage
Physical damage helps repair or replace your truck after an accident, theft, fire, or other covered event. It's especially important if you're financing or leasing equipment.
- Covers collision and non-collision events
- Protects tractors, trailers, & equipment
- Required by most lenders or leasing companies
- Helps limit costly downtime
- Works for owner-operators and fleets
Motor Truck Cargo Insurance
Motor Truck Cargo Insurance
This protects the freight you're hauling if it's lost, stolen, or damaged in transit. It’s essential coverage for for-hire truckers and logistics companies.
- Covers goods in transport
- Applies to theft, fire, and some accidents
- May be required by contracts or shippers
- Customizable by cargo type
- Helps avoid expensive loss disputes
FREQUENTLY ASKED QUESTIONS
Trucking Insurance
Here’s what trucking businesses often ask about coverage, limits, and legal requirements.
Is trucking insurance required by law?
Yes. Federal and state regulations require minimum liability coverage for commercial truckers. Your required limits may vary depending on vehicle weight, cargo, and operating radius. We’ll help you stay compliant.
Do I need coverage if I’m an owner-operator?
Absolutely. Even if you’re leased to a motor carrier, you may still need bobtail coverage, physical damage, or non-trucking liability depending on your contract. We'll walk you through the specifics.
What’s the difference between general liability and trucking liability?
Trucking liability covers accidents involving your truck. General liability protects you from business-related claims outside the truck—like injuries at your office or freight dock. Both may be necessary.
What is motor truck cargo coverage?
It protects the goods you're hauling. If freight is damaged, lost, or stolen during transit, cargo insurance helps cover replacement or repair costs. Coverage varies based on cargo type.
Can I insure multiple trucks under one policy?
Yes! Whether you're managing two vehicles or a full fleet, we can help you combine them into one efficient, cost-effective policy with consistent protection across the board.