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Commercial Truck Insurance
Many truckers don't find out their policy is wrong until a broker rejects a certificate or a claim comes back short. A captive agent can show you one company. We shop the insurance companies that write trucking, work with yours on filings and broker certificates, and recheck your limits at every renewal. Call or text and you'll reach someone who knows trucking, or tell us about your trucks once and we do the shopping.
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Trucking Programs
Coverage for Every Kind of Hauler
New Authority
Starting your own authority. We help with filings and the limits brokers ask for.
Learn More →Owner-Operators
Your own truck, under your authority or leased on to a motor carrier.
Learn More →Dump Trucks
Sand, gravel, dirt and debris hauling, with the certificates contractors require.
Learn More →Small Fleets
Growing fleets that need drivers, units and limits set up right.
Learn More →Good to Know
Before You Buy
Brokers, shippers and the FMCSA each set their own requirements. We check every one with you before you buy.
- Liability minimums. For most interstate for-hire freight carriers, the federal minimum liability is $750,000 for vehicles of 10,001 pounds or more and $300,000 for lighter vehicles. Many brokers ask for $1,000,000.
- Cargo. Cargo coverage isn't federally required for most freight, but most brokers and shippers require it, often $100,000.
- Drivers. Insurance companies look closely at driver records and experience, especially for new authorities.
- Filings. Interstate carriers need proof of insurance on file with FMCSA, and some states have their own filings. We work with the insurance company to get them filed.
- Radius and freight. Where you run and what you haul both affect price. Describe them accurately so the quote holds.
- Physical damage. Lenders usually require physical damage coverage on financed trucks and trailers. Values should match what the equipment is worth.
Pair It With
Gaps Truckers Often Miss
Your trucking policy covers the truck and the load. These need their own coverage, and we check for each one when we quote.
Brokers Often Ask for More Than the Minimum
Many brokers ask for higher limits and cargo coverage than the federal minimum. We check before you sign.
Hiring Drivers? Workers Comp Comes Next
Employed drivers usually need workers comp. Owner-operators often carry occupational accident instead.
One Accident Can Go Past Your Auto Limits
A serious crash can lead to a claim bigger than your auto policy. An umbrella adds a layer above it.
Your Personal Cars Need Their Own Policy
Your business policy covers business vehicles. The family cars at home need personal auto, and we can quote both.
Your Business Depends on Key People
If losing one person would hurt sales or operations, key person coverage gives the business money to recruit and keep going.
Your Family Depends on Your Income
If something happened to you, term life helps your family keep up with the bills for the years they need it most.
Questions
Commercial Trucking Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
What filings does my trucking policy need?
Interstate for-hire carriers need proof of insurance filed with FMCSA, and some states require their own filings. The insurance company files them, and we make sure they're requested when the policy is bound.
How much cargo coverage do I need?
Cargo isn't federally required for most freight, but most brokers and shippers ask for it, often $100,000. Higher value loads may need more, so tell us what you haul.
Can I add a truck or driver mid-term?
Yes. Tell us before the new unit or driver goes on the road. Either one changes your premium, and new drivers usually need the insurance company's approval first.
Why did my renewal go up with no claims?
Rates move with the market, your safety scores, driver changes and the insurance company's own results. When an increase doesn't fit, we shop your renewal with other insurance companies.
Running Trucks? Let's Find the Right Coverage.
Tell us about your authority, units and loads and we'll shop it across several insurance companies.