Auto Hauler
Insurance
Commercial truck insurance for car haulers, auto transport companies, dealership carriers, auction haulers, enclosed trailers, and multi-car transporters.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
Who We Cover
Who Needs Car Hauler Insurance?
Auto Transport Companies
Owner Operators
Dealership Transporters
Auction Haulers
Car Manufacturers
Enclosed Carriers
Multi-Car Haulers
Dually Pickup Operators
Hotshot Transporters
Fleet Auto Transporters
Equipment
Trucks & Trailers We Insure
From single-car dually setups to full 9-car commercial rigs — we cover the full range of auto transport equipment.
Preferred Program
Auto Hauler Program
A specialized auto transport insurance platform built for rapid compliance clearances and premium carrier operations.
Fleet Sizes
1 truck to 100+ power units — owner-operators and large fleets considered.
Auto Liability Limits
$500,000, $750,000, and $1,000,000 CSL options available.
Physical Damage
Stated value protection for multi-car trailers and power units.
Auto Cargo Limits
Cargo limits to match your maximum load value — new, used, luxury, or classic.
Hired & Non-Owned Auto
Extends liability to sub-haulers and third-party vehicles.
Medical Payments & PIP
State-compliant driver and occupant medical coverage options.
Filings
State and federal FMCSA filings handled at binding.
Waiver of Subrogation
Rapid endorsements to clear manufacturer and auction contracts.
Fast Certificates
COIs delivered quickly to brokers, dealers, or auctions after binding.
Preferred Risks
Dealership, auction, and secured contract haulers receive preferred pricing.
Risk Management
Common Risks When Hauling Cars
Vehicle Theft
Unsecured vehicles on open trailers are prime targets for cargo theft during overnight layovers.
Loading & Unloading Damage
Ramp drops, undercarriage scrapes, and deck contact represent the highest-frequency auto cargo claims.
Improper Securement
Strap failures or loose tie-downs can cause vehicle shifting and damage during emergency stops.
Hail & Weather
Open car carriers leave vehicle paint finishes exposed to hail, wind debris, and storm damage.
Road Debris
Highway rocks and gravel cause windshield cracks and cosmetic body damage on long hauls.
Over-Height Damage
Low bridge clearances and overhanging limbs present strike risks for elevated multi-level carriers.
Diminished Value
Vehicles lose residual market value after repairs from transport damage even when fully fixed.
Constructive Total Loss
When repair costs exceed the vehicle's actual cash value, a full cargo settlement is triggered.
Complete Portfolio
Coverages Available
Every protection your auto hauling operation may need.
Commercial Auto Liability
Covers third-party bodily injury and property damage from your hauling operations.
Physical Damage
Collision and comprehensive coverage for your trucks and car-carrier trailers.
Excess / Umbrella
High-limit excess layers to meet broker, shipper, and manufacturer contract demands.
Motor Truck Cargo / Auto Cargo
Covers transported vehicles in your care, custody, and control from origin to delivery.
Trailer Interchange
Physical damage on non-owned or borrowed multi-car trailers under a formal interchange agreement.
On-Hook Coverage
Covers vehicles while actively being winched, loaded, or driven onto transport ramps.
Garagekeepers Legal Liability
Protects customer vehicles stored at your terminal or yard overnight.
General Liability
Off-road business liability — yard slip-and-falls, loading dock injuries, and premises exposure.
Hired & Non-Owned Auto
Extends liability to rented vehicles or sub-haulers operating under your authority.
State & Federal Filings
FMCSA MCS-90, state DOT, and authority compliance filings handled at binding.
Waiver of Subrogation
Required by most prime shippers, dealerships, and auction contracts.
Additional Insured
Adds required parties — brokers, dealers, auctions — to your policy as additional insureds.
Cargo Coverage
Auto Cargo Matters
Auto haulers carry direct financial responsibility for every vehicle in their care, custody, and control.
Cargo limits typically range from $100,000 to $500,000+ depending on trailer type, load size, and vehicle value.
New Vehicles
Factory-fresh dealer stock requiring zero cosmetic defects.
Used Vehicles
Pre-owned inventory across multi-state dealer networks.
Luxury Vehicles
High-line and exotic units requiring maximized cargo sub-limits.
Classic Cars
Rare collectibles often requiring enclosed hauler protection.
Dealer Inventory
Franchise dealership fleets on contracted routes.
Auction Units
High-volume salvage or retail moves from major auction hubs.
Enclosed Transport
Climate-controlled hauls for show cars and supercars.
Multi-Car Loads
Full-rack configurations maximizing load value exposure.
Know the Difference
Car Hauler vs. Tow Truck Coverage
Car Hauler Insurance
Tow Truck Insurance
Mixed operations: If you both tow and transport vehicles, you may need a blended policy with both on-hook and auto cargo coverage. Ask us to review your specific operation.
Our Advantage
Why Auto Haulers Choose TruxSurance
Auto Transport Specialists
We understand open car carriers, enclosed trailers, dealerships, auctions, and high-value vehicle loads.
Multiple Markets
We compare multiple trucking insurance markets for owner-operators and fleets to find the best rate.
Fast Certificates
Need proof of insurance for a broker, dealership, or auction? Same-day COIs typically available after binding.
Cargo Coverage Guidance
We help match cargo limits to the real replacement value of the vehicles you haul.
FAQ