Business Insurance
Trucking Insurance
Coverage built around how a trucking operation actually runs — the tractor, the trailer, the freight and the driver.
Trucking is treated as its own class of business for a reason. A standard commercial auto policy is not written for a tractor pulling forty thousand pounds of someone else's freight across state lines, and it will not satisfy the filings a motor carrier has to make.
What a trucking programme looks like depends on how you run. An owner-operator leased on to a carrier needs a very different set of policies from a fleet running under its own authority. The pieces below are the ones that come up most often; you will rarely need all of them at once.
Primary Auto Liability
Injury and property damage you cause to others while under dispatch.
Learn moreMotor Truck Cargo
The freight in your trailer, while it is your responsibility.
Learn moreTruck Physical Damage
Your own tractor and trailer, whatever caused the damage.
Learn moreNon-Trucking Liability (Bobtail)
The gap when the truck is moving but you are not under dispatch.
Learn moreTrailer Interchange
Damage to a trailer that belongs to someone else.
Learn moreReefer Breakdown
Refrigerated loads lost when the unit fails rather than the truck.
Learn moreOccupational Accident
Injury cover for owner-operators who fall outside workers compensation.
Learn moreNot sure whether you need this?
Tell us how you run — owner-operator or fleet, own authority or leased on — and we will tell you straight which coverages actually apply.
Or call (503) 667-2820