Trucker or Trucking Insurance

Insurance is one of the largest fixed expenses that a trucker or trucking company faces today. There are several types of trucking-related coverages available to the truck and transportation industry.

Common Trucking Insurance Coverages:

Primary Liability – Primary liability insurance coverage protects you from damage or injuries to other people or property as a result of a truck accident.

Cargo Insurance – Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.

Physical Damage - Coverage for your truck and trailer. This insurance coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, deer strike, mischief, or vandalism to your owned vehicles.

Trailer Interchange - Coverage for the legal liability of truckers for loss or damage to non-owned trailers and equipment which are in the insured's possession under a written trailer interchange agreement.

Non-Trucking Liability (Bobtail Coverage) - Provides limited liability protection when the owner-operator is not on dispatch, nor pulling a loaded trailer. For example, this coverage would apply when the owner-operator gets their truck washed or brings their trucks into a shop for repairs. Once the owner-operator is under dispatch, they are covered under the Primary Liability insurance policy of the company that they are leased to.

Truckers may also consider general liability coverage, along with other coverages that our agency offers. Call today to find a policy fit for you.