Core Commercial Trucking Coverages
We specialize in designing insurance programs built specifically for transportation risks. Each coverage can be tailored to your operation's unique needs.
Auto Liability
Primary coverage for third-party bodily injury and property damage. Required by federal law for interstate commerce. Minimum limits from $750K to $1M+ depending on operation type.
Motor Truck Cargo
Protects customers' goods in transit. Covers damage, theft, or loss of freight. Optional reefer breakdown coverage for temperature-controlled loads.
Physical Damage
Coverage for your trucks and trailers. Includes collision, comprehensive (fire, theft, vandalism), and specified perils. Stated value or actual cash value options.
General Liability
Covers premises operations, loading/unloading, and non-trucking business activities. Protects against slip-and-falls, property damage at customer locations.
Umbrella / Excess Liability
Additional liability protection above your primary auto liability. Available in $1M increments. Often required by brokers and shippers for high-value contracts.
Non-Trucking Liability
Bobtail coverage for owner-operators when not under dispatch. Protects you when driving your tractor for personal use or between loads.
Additional Specialized Coverages
⛊ Trailer Interchange
Coverage for trailers you don't own but are temporarily in your possession under interchange agreements.
⛊ Hired / Non-Owned Auto
Protection when you rent or use vehicles not owned by your company for business purposes.
⛊ Workers' Compensation
State-mandated coverage for employee injuries. Covers medical expenses and lost wages for company drivers.
⛊ Occupational Accident
Alternative to workers' comp for owner-operators and independent contractors. Covers injuries while on the job.
Coverage Requirements by Operation Type
Interstate Authority
FMCSA Required:
- $750K minimum auto liability (non-hazmat)
- $1M minimum for hazmat
- $5K minimum cargo (if hauling property)
- BMC-91 or BMC-34 filings
Intrastate (TX, CA, etc.)
State Requirements:
- Varies by state (typically $300K-$1M)
- State-specific certificate forms
- May require additional endorsements
Contract Hauling
Broker/Shipper Requirements:
- Often $2M+ umbrella required
- $100K+ cargo minimums
- Additional insured endorsements
- 30-day cancellation notice
What Coverage Do You Need?
The right insurance program depends on your operation: lanes, radius, equipment, commodities, driver experience, and contract requirements. We'll help you design a program that protects your business without paying for coverage you don't need.
Common Coverage Add-Ons
- Reefer Breakdown: Covers cargo loss due to refrigeration unit failure on temperature-controlled loads
- Contingent Cargo: Additional cargo coverage when your primary carrier's insurance is inadequate
- Pollution Liability: Covers environmental cleanup costs from fuel spills or hazmat incidents
- Downtime Coverage: Reimburses lost revenue while your truck is being repaired after a covered loss
- Towing & Labor: Covers roadside assistance and towing expenses
Not Sure What You Need?
Let us review your operation and recommend a coverage package tailored to your specific risks. We'll explain each coverage in plain language and help you make informed decisions.
Get a customized coverage quote
Tell us about your operation and we'll design the right program.