Who Needs Commercial Truck Insurance?
If you run a trucking business, having commercial truck insurance is a must. Whether you’re new in the industry or have been around for years, the law requires certain coverages. Insurance can also protect you from costly accidents, damage to your truck, or loss of cargo.
What Kinds of Trucking Businesses Need Coverage?
We provide insurance for many types of trucking operations, including:
Owner-Operators with Their Own Authority
If you manage your own trucking company, you’ll need insurance to cover accidents, cargo, and liability.
Private Carriers (Not for Hire)
Businesses that move their own goods—like farmers or manufacturers—should still have coverage in case of accidents or injuries.
Owner-Operators Leased to a Carrier
If you manage your own trucking company, you’ll need insurance to cover accidents, cargo, and liability.
Types of Trucks We Cover
We insure a variety of trucks used in different industries, such as:
Semi Trucks
Including well-known brands like Freightliner, Peterbilt, Volvo, and more.
Box Trucks
From cargo vans to refrigerated trucks and tilt cabs.
Dump Trucks
For hauling materials like dirt, sand, and gravel, often used on construction sites.
Coverage Options Available
We offer a variety of coverage types to protect your trucks, drivers, and cargo:
Primary Liability
Covers injuries or property damage you cause in an accident.
Physical Damage
Helps pay for damage to your truck from accidents, theft, or weather.
Cargo Insurance
Protects the goods you’re hauling in case of damage or loss.
Refrigeration Breakdown
Covers cargo loss if your refrigeration unit stops working unexpectedly.
Trailer Interchange
Insures trailers you don’t own but are using under an agreement.
Non-Trucking Liability
Covers your truck when it’s being used for personal reasons, not for work.
General Liability
Protection for accidents that happen off the road, like at a loading dock.
Hired and Non-Owned Auto Coverage
Covers vehicles your business doesn’t own but occasionally uses.
What Affects the Cost of Truck Insurance?
Many factors determine your premium, including:
Type of cargo you haul
The condition and type of your trucks
How far you travel (operating radius)
Driver history and experience
Safety records and inspections
USDOT compliance
Coverage limits and options you choose