Truck Insurance Coverage
Every policy we offer is purpose-built for the US trucking industry — from a single owner-operator to a 100-unit fleet.
Primary Auto Liability
The cornerstone of any trucking insurance program and a federal requirement for all for-hire carriers. Primary auto liability covers bodily injury and property damage you cause to others while operating under dispatch.
Physical Damage
Your truck is your livelihood. Physical damage insurance covers your tractor and trailer against collision, rollover, fire, theft, vandalism, and weather — so a bad day on the road doesn't put you out of business.
Motor Truck Cargo
Covers the freight you're hauling against loss, damage, or theft while in transit. Required by most shippers and brokers, cargo insurance protects both the carrier and the shipper's financial interest.
Non-Trucking Liability (Bobtail)
When you're leased to a motor carrier, their insurance covers you under dispatch — but not when you're driving for personal use or returning home after a delivery. Bobtail coverage fills that gap.
Trailer Interchange
If you haul trailers you don't own under a trailer interchange agreement, you're responsible for physical damage to those trailers. This policy covers you against that liability.
Occupational Accident
Owner-operators are not typically covered under workers' compensation. Occupational accident insurance provides comparable protection — covering medical expenses, disability income, and death benefits at a fraction of the cost.
General Liability
Covers your trucking business against third-party claims that fall outside your auto policy — slip-and-falls at a customer's dock, loading/unloading accidents, and other non-driving incidents.
Truckers' Workers' Compensation
For fleets with employees, workers' compensation is mandatory in nearly every state. We place WC coverage for trucking companies of all sizes, with carriers experienced in transportation risk.
Not Sure What Coverage You Need?
Our trucking specialists will review your operation and build a policy that keeps you compliant, protected, and profitable.