Commercial Truck Insurance Coverage Types
Comprehensive coverage options designed specifically for the trucking industry. From mandatory liability protection to specialized cargo coverage, we offer the full spectrum of insurance products your operation needs.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
Essential Coverage for Every Trucking Operation
Whether you're an owner-operator with a single truck or managing a large fleet, we have the right combination of coverages to protect your business.
Frequently Asked Questions
What insurance do I need to start a trucking company?
At minimum, you need Primary Liability Insurance (required by FMCSA), Motor Truck Cargo Insurance (required by most brokers), and Physical Damage Insurance (if financing equipment). Most operations also benefit from General Liability and Workers Compensation coverage.
How much does commercial truck insurance cost?
Commercial truck insurance typically costs $12,000-$20,000 per truck annually for comprehensive coverage. Costs vary based on your driving record, cargo type, operating radius, and equipment value. New ventures and hazmat operations typically pay higher premiums.
Can I bundle multiple coverages for a discount?
Yes! We offer package policies that combine multiple coverages at discounted rates. Bundling Primary Liability, Physical Damage, and Cargo Coverage into a single policy can save 10-20% compared to purchasing each separately.
How quickly can I get proof of insurance?
We can often issue Certificates of Insurance (COI) the same day your policy is bound. For new authorities, we can file your BMC-91 with the FMCSA within 24-48 hours of policy activation.