Trucking
Trucking insurance is a specialized package of coverages built around the unique risk profile of commercial motor carriers — from single owner-operators running regional routes to multi-truck fleets moving freight coast to coast. Unlike a standard commercial auto policy, a trucking program addresses…
Who Needs This Coverage
- Owner-operators and independent truckers (Class A CDL)
- Small and mid-size motor carriers and for-hire freight haulers
- Flatbed, tanker, refrigerated, and specialized freight operations
- Local and regional delivery fleets
- Dump truck, concrete mixer, and construction material haulers
What's Covered
- Primary trucking liability (bodily injury and property damage to third parties)
- Motor truck cargo — legal liability for freight in your custody from pickup to delivery
- Physical damage — collision, comprehensive, fire, and theft for tractors and trailers
- Bobtail/non-trucking liability when operating without a dispatched load
- General liability for terminal premises and yard operations
- Trailer interchange and non-owned trailer physical damage
Frequently Asked Questions
How much trucking liability does the FMCSA require?
FMCSA minimum limits depend on commodity class. General freight requires $750,000; household goods movers require $750,000; hazardous materials haulers require $1,000,000 to $5,000,000 depending on the hazmat classification. Most shippers and freight…
What is bobtail insurance and do I need it?
Bobtail (non-trucking liability) covers a tractor-trailer operator when driving the cab without a trailer or when operating outside the scope of a motor carrier's dispatch — personal errands, repositioning between loads. If you are leased to a carrie…
Can I get trucking insurance as a new-venture operator?
Yes, though options are more limited and premiums are higher for accounts with no prior operating history. Many E&S carriers write new-venture authorities with restrictions on driver age (typically 23+), radius, and commodity class. A clean CDL histo…