Fleet and Regional Operations
Coordinate power units, drivers, trailers, filings, and certificates in one trucking-focused review.
Nationwide Coverage
Commercial Trucking
Insurance
Insurance solutions for owner operators, new ventures, fleet operators, Amazon Relay carriers, box trucks, reefer operators, drayage companies, and motor carriers nationwide.
Fast Quotes
Same-Day Certificates
New Venture Programs
Fleet Solutions
New venture? New MC authority? We help you navigate your first trucking policy.
Call Us
1-888-254-0089Email Us
[email protected]Questions about coverage, DOT filings, or Amazon Relay requirements? Our trucking insurance specialists are here to help owner operators, fleets, and new ventures complete the quote process — no obligation, no pressure.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
Industry Overview
What Is Commercial Trucking Insurance?
Commercial trucking insurance is a specialized package of coverages designed to protect motor carriers, owner operators, and fleets against the financial risks of operating heavy commercial vehicles. Unlike personal auto insurance, trucking policies are structured around federal regulations, shipper requirements, and the unique liability exposures of moving freight across interstate and intrastate highways.
Primary Liability is the foundation — it covers bodily injury and property damage to third parties when your truck is at fault in an accident. Federal law requires a minimum of $750,000, but most shippers and brokers demand $1,000,000. Without it, you cannot operate legally.
Motor Truck Cargo protects the freight you haul against loss, theft, or damage while in transit. A standard cargo policy covers $100,000, but high-value commodities, reefer loads, and specialized freight may require higher limits.
Physical Damage insures your truck and trailer against collision, fire, theft, and natural disasters. If you have a loan or lease, your lender will require this coverage. It is based on the stated value of your equipment.
Trailer Interchange covers non-owned trailers in your care under a trailer interchange agreement. If you haul Amazon trailers, broker trailers, or intermodal containers, this is essential.
General Liability protects your business from claims that occur off the road — at a shipper's dock, a delivery site, or during loading and unloading. It covers slip-and-fall injuries, property damage at facilities, and other third-party claims.
Umbrella / Excess Liability provides additional limits above your primary policies. A $1,000,000 umbrella on top of a $1,000,000 primary liability gives you $2,000,000 total protection. It is inexpensive relative to the coverage and is often required by large shippers and intermodal contracts.
Workers' Compensation covers medical expenses and lost wages for W-2 employees injured on the job. It is required by state law in most jurisdictions. Owner operators using 1099 contractors may not be required to carry it, though some states have specific rules.
Need help understanding your coverage?
Our trucking specialists will review your operation and recommend the exact coverages you need — no more, no less.
Call 1-888-254-0089Coverage Built Around Your Operation
From One Truck to Port and Regional Fleets
Your routes, equipment, freight, drivers, contracts, and operating history all affect the coverage you need. Truxsurance helps owner operators and fleet managers organize those details, compare available markets, and build a policy around how the business actually runs.
Drayage and Intermodal
Review port, rail, UIIA, trailer interchange, cargo, and contract requirements before dispatch.
Safety and Underwriting Readiness
Loss runs, driver records, vehicle schedules, radius, commodities, and safety practices help carriers price the risk.
Owner Operators and New Authorities
Get help identifying required liability limits, cargo needs, physical damage, filings, and the documents underwriters will request.
Start a trucking quoteCoverage Options
Trucking Insurance Coverage Types
Every trucking operation needs a tailored combination of these core coverages. We structure each policy to match your equipment, freight, and contracts.
Primary Liability
Covers bodily injury and property damage to third parties when your truck is at fault. Required by federal law and every shipper. Minimum $750,000; most require $1,000,000.
Learn moreMotor Truck Cargo
Protects the freight you haul against loss, theft, or damage in transit. Standard limit is $100,000. Higher limits available for high-value or temperature-sensitive cargo.
Learn morePhysical Damage
Insures your truck and trailer against collision, fire, theft, vandalism, and natural disasters. Based on stated value. Required by most lenders and lessors.
Learn moreTrailer Interchange
Covers non-owned trailers under your care, custody, and control. Required for Amazon Relay, intermodal, and power-only operations. Standard limit is $50,000.
Learn moreGeneral Liability
Protects your business from off-road claims: slip-and-fall at a shipper facility, property damage during loading, and other third-party incidents.
Learn moreWorkers' Compensation
Covers medical expenses and lost wages for W-2 employees injured on the job. Required by state law in most jurisdictions.
Learn moreUmbrella / Excess
Provides additional liability limits above your primary auto and general liability. A $1M umbrella gives you $2M total. Often required by large shippers.
Learn moreNon-Trucking Liability
Covers you when driving without a trailer or load, not under dispatch. Essential for owner operators who lease onto fleets. Also called bobtail insurance.
Learn moreBobtail Insurance
Same as non-trucking liability. Covers your tractor when bobtailing — driving without a trailer attached — for personal or non-business use.
Learn moreOccupational Accident
An alternative to workers' comp for independent contractors and 1099 owner operators. Covers medical, disability, and death benefits for work-related injuries.
Learn moreCarrier Types
Who We Insure
We write commercial trucking insurance for every type of carrier — from single-truck owner operators to 100-unit fleets, from dry van to specialized operations.
Owner Operators
Independent truckers running under their own authority. We write primary liability, cargo, physical damage, and trailer interchange tailored to solo operations. New ventures with fresh MC authority are welcome.
Learn moreNew Ventures
Carriers with less than 2 years of operating history. New venture programs are available from day one of your MC authority. We help you meet shipper requirements and get on the road fast.
Learn moreSmall Fleets
Fleets of 2–10 trucks. Multi-unit discounts, fleet safety programs, and consolidated billing. We shop across A-rated carriers to find the best combination of coverage and price.
Learn moreLarge Fleets
Fleets of 10+ units with dedicated safety managers and dispatch operations. Experience mods, self-insured retention options, and loss-sensitive rating programs available.
Learn moreAmazon Relay Carriers
Carriers hauling Amazon freight. We structure policies that meet Amazon's exact requirements and handle RMIS verification the same day your policy binds.
Learn moreBox Truck Operators
Last-mile, regional, and urban delivery carriers running straight trucks. Box truck insurance with same-day certificates. We write Class 3–6 vehicles.
Learn moreReefer Operators
Refrigerated carriers hauling temperature-sensitive freight. Reefer cargo coverage, reefer breakdown protection, and spoilage coverage available. We understand the perishable freight market.
Learn moreIntermodal / Drayage
Port and rail yard operators moving containers. We have direct access to E&S markets that write drayage and intermodal risks. UIIA and port-specific requirements are handled in-house.
Learn moreFlatbeds
Open-deck carriers hauling steel, lumber, machinery, and oversized loads. Securement liability, tarp damage, and specialized cargo coverage for flatbed operations.
Learn moreHotshot Trucking
Expedited freight carriers running pickup trucks with gooseneck or bumper-pull trailers. We write hotshot programs for non-CDL and CDL operators alike.
Learn morePort Trucking
Carriers operating in and around major U.S. ports. We understand port authority requirements, TWIC compliance, and the unique risks of port-based operations.
Learn morePricing Guide
How Much Does Trucking Insurance Cost?
Trucking insurance is not a commodity. Your premium depends on your operation, your drivers, and your safety record. Here are realistic ranges and the factors that drive them.
New Venture
$12,000 – $18,000
per truck / year
Under 2 years DOT/MC. Higher rates reflect limited history. Programs available from day one of authority.
Experienced Owner Operator
$8,000 – $14,000
per truck / year
2+ years clean record. Best rates for strong BASIC scores, no major claims, and experienced drivers.
Fleet (per unit)
Varies by size
rated individually
3–100+ units. Fleet pricing depends on driver pool, equipment age, garaging, and fleet safety programs.
Rating Factors That Determine Your Premium
DOT authority age
MC authority age
Driver experience and MVR
At-fault claims and losses
Garaging ZIP code
Operating radius
Cargo type and commodity
Equipment value and age
FMCSA BASIC scores
CSA safety scores
ELD compliance history
Safety management programs
Federal Compliance
FMCSA & DOT Requirements
Federal compliance is not optional. FMCSA and DOT requirements are the foundation of your operating authority and your insurance eligibility. Carriers with poor compliance records face higher premiums, more roadside inspections, and potential loss of authority.
Your insurance broker should understand FMCSA compliance as well as your safety manager does. At Truxsurance, we review your CSA scores, BASIC categories, and authority standing before we quote — so we know which markets will compete for your business.
DOT Number
Your USDOT number identifies your carrier entity with FMCSA. It must be active and in good standing. New carriers apply through the FMCSA portal.
MC Authority
Motor carrier authority grants you permission to operate as a for-hire carrier. Active MC authority is required for most insurance markets and shipper contracts.
BMC-91X Filing
The BMC-91X is your federal proof of financial responsibility. Your insurer files it electronically with FMCSA. Without it, you cannot operate interstate.
FMCSA Safety Rating
Satisfactory or Unrated ratings are acceptable. Conditional or Unsatisfactory ratings trigger market restrictions and higher premiums.
CSA Scores
Compliance, Safety, Accountability scores measure your safety performance across seven BASIC categories. High scores = more inspections and higher insurance.
BASIC Scores
Behavior Analysis and Safety Improvement Categories track unsafe driving, HOS compliance, driver fitness, vehicle maintenance, and crash history.
ELD Compliance
Electronic Logging Device compliance is mandatory for most CMVs. ELD violations appear in your BASIC scores and affect both authority and insurance.
UCR & IRP
Unified Carrier Registration and International Registration Plan are required for interstate operations. Your insurance must align with your registered base state.
Why Truxsurance
Why Trucking Companies Choose Truxsurance
We are not a generalist agency. We are trucking insurance specialists. That means faster service, fewer mistakes, and policies that actually get approved by shippers and RMIS on the first submission.
Transportation Specialists
Commercial truck insurance is all we do. Every agent on our team understands DOT, MC, BASIC scores, and shipper requirements.
New Venture Expertise
We write new ventures from day one of their MC authority. We know which markets accept new carriers and how to structure their first policy.
Fleet Programs
Multi-unit discounts, fleet safety incentives, and consolidated billing. We shop across A-rated carriers to find the best fleet pricing.
Same-Day COIs
Certificates of insurance issued within minutes of binding. RMIS submission, BMC-91X filing, and UIIA documentation handled in-house.
BMC Filing Support
We handle BMC-91X, MCS-90, and state-specific filings directly. No referrals, no delays, no confusion about your federal requirements.
Amazon Relay Expertise
We structure Amazon Relay-compliant policies and submit to RMIS electronically. Our clients get approved faster and stay compliant.
California Trucking Expertise
We understand CA Form E, CA DMV requirements, and California's unique trucking insurance landscape. Multi-state availability depends on agency licensing and eligible carrier markets.
Nationwide Coverage
We help place commercial trucking insurance in eligible markets. Whether you run local, regional, or long-haul, contact us to confirm availability for your operation.
Get Your Trucking Insurance Quote Today
5-minute quote. Same-day certificate. Nationwide coverage. New ventures welcome.
No Obligation
Same-Day Certificates
New Ventures Welcome
Call Us
1-888-254-0089Email Us
[email protected]Not sure what coverage you need? Need help with DOT filings, cargo coverage, or Amazon Relay requirements? Our team is available by phone or email to help — real transportation specialists, not a call center.