Coverage that fits how you actually run

Trucking insurance coverages.

From mandatory liability to specialized protection, here's what we cover — and how to know what you actually need.

Six essentials

Six core coverages for trucking businesses

Tap a card to jump to the full breakdown.

Primary Liability

Essential coverage for bodily injury and property damage caused by your trucks.

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Physical Damage

Protect your trucks and trailers from collision, theft, and other physical damage.

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Cargo Insurance

Coverage for the goods you're hauling from pickup to delivery.

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General Liability

Protection for your business operations beyond just your vehicles.

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Trailer Interchange

Coverage when using trailers you don't own under interchange agreements.

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Non-Trucking Liability

Protection when using your truck for personal or non-business purposes.

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Primary Liability

Primary Liability Insurance is the foundation of any commercial trucking insurance policy. This coverage protects you financially if your truck causes an accident that results in bodily injury or property damage to others. It's required by federal and state law for all commercial motor carriers.

Required by FMCSA for all interstate motor carriers

Covers bodily injury to third parties

Protects against property damage claims

Minimum coverage of $750,000 required for most truckers

Physical Damage

Physical Damage Insurance covers the cost to repair or replace your truck and trailer if they're damaged in a collision, overturned, or affected by fire, theft, vandalism, or natural disasters. This coverage is especially important if you're financing or leasing your equipment.

Collision coverage for accidents with other vehicles or objects

Comprehensive coverage for theft, fire, and weather damage

Protects your investment in expensive equipment

Often required by lenders and lessors

Covers both tractors and trailers

Cargo Insurance

Cargo Insurance protects the freight you're hauling while it's in transit or being loaded/unloaded. If the cargo is damaged, destroyed, or stolen, this coverage helps pay for the loss. Most brokers and shippers require proof of cargo insurance before they'll contract with you.

Covers goods from pickup to final delivery

Protection against theft, damage, and spoilage

Required by most brokers and shippers

Coverage limits based on cargo type and value

Specialized coverage available for refrigerated loads — 'Reefer Breakdown'

General Liability

General Liability Insurance covers your trucking business for non-vehicle-related incidents. This includes injuries that occur at your business premises, advertising injuries, and other claims that arise from your business operations outside of driving.

Covers slip-and-fall accidents at your business location

Protects against advertising injury claims

Essential for truckers with physical business locations

Complements your auto liability coverage

Trailer Interchange

Trailer Interchange Insurance covers physical damage to trailers you're hauling under a trailer interchange agreement with another party. When you're pulling someone else's trailer under contract, their insurance typically won't cover damage — this policy fills that gap.

Covers trailers you don't own but are hauling

Required for most interchange agreements

Protects against collision and comprehensive damage

Essential for intermodal and port operations

Coverage follows the trailer, not the tractor

Non-Trucking Liability

Non-Trucking Liability (also called Bobtail Insurance) covers you when you're using your truck for non-business purposes. If you cause an accident while off-dispatch — like driving home after dropping a load — this coverage protects you when your motor carrier's policy doesn't.

Covers personal use of your commercial truck

Active when you're off-dispatch

Fills gaps in motor carrier's insurance

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