Heavy Haul Truck
Insurance for Oversized
& Specialized Freight

Commercial Auto Liability

Required by FMCSA for all for-hire carriers. Covers bodily injury, property damage, and legal defense from covered accidents. Available up to $5M+ for specialized operations.

Physical Damage

Covers your tractor and specialty trailer for collision, comprehensive loss, theft, and weather — including lowboy, RGN, double-drop, and multi-axle configurations.

Motor Truck Cargo

Protects the equipment or freight in transit — excavators, cranes, transformers, wind blades, and heavy machinery — from covered loss or damage during transport.

General Liability

Covers non-auto claims including job-site incidents, loading dock injuries, and customer-property damage that occur in the course of your trucking operations.

Excess Liability / Umbrella

Stacks additional limits over your primary auto and GL — essential for high-value heavy haul loads, superload permits, and contract requirements up to $5M or more.

Trailer Interchange

Physical damage on non-owned trailers used under a trailer interchange agreement — critical when operating with rented or borrowed specialty trailers.

Inland Marine / Cargo

Blanket coverage for high-value loads moved under one-time or project-based contracts. Ideal for transformers, generators, boilers, and modular structures.

Contractors Equipment

Covers the heavy equipment itself — excavators, cranes, dozers, pavers — while in transit or temporarily at a job site.

Pollution Liability

Covers fuel spills, hydraulic fluid leaks, and other pollution events that occur during transport or loading operations when needed for your cargo type.

Workers Compensation

Required for employees. Covers work-related injuries for drivers and yard crew.

Occupational Accident

An alternative to workers comp for owner-operators. Covers on-the-job injuries, disability income, and accidental death benefits.

Non-Owned Trailer

Physical damage for leased or borrowed trailers not listed on your policy — useful for carriers who frequently use customer-owned or rented trailers.

A single excavator, transformer, or crane can be worth $500K–$5M+. Standard trucking cargo policies won't cover specialized equipment at these values — you need a program built for heavy haul.

Every state has different weight and dimension limits. Hauling without a valid permit or exceeding authorized dimensions can void coverage and trigger fines.

Heavy, awkward loads are prone to shifting in transit. A cargo shift at highway speed can cause a rollover — one of the most expensive claims in heavy haul trucking.

Exceeding posted bridge weight limits or deviating from a permitted route is a serious liability. Route planning and pilot car compliance matter for both safety and coverage.

Most damage to high-value equipment happens during rigging, loading, and unloading — not on the road. Make sure your cargo and GL coverage extends to these operations.

Wide or tall loads can strike overpasses, signs, trees, and utility lines. Liability for infrastructure damage can quickly exceed a standard $1M policy limit.