Innovative Logistics Commercial Trucking Insurance Experts

Commercial truck insurance is an important type of coverage to protect you from costly bills should any of your trucks become involved in an accident. If you drive a personal truck or car, you already know you require auto insurance to stay legal on the road.

Commercial trucking insurance covers circumstances where you use your truck to transport products, animals, customers, and materials. If you use your vehicle both professionally and personally, a commercial insurance truck policy will fill in the gaps your personal auto insurance leaves behind. But, this isn’t typically the case with larger commercial trucking companies.

Trucking insurance policies start with primary liability and then build on that with several other coverages. You’re required to have primary liability coverage as part of a trucking license to protect property and people from damage your trucks cause. But, there are also other types of company trucking insurance you should consider.


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Trucking Company Insurance Requirements

All trucks require at least $750,000 in insurance coverage.

Additionally, the Federal Motor Carrier Safety Administration (FMCSA) might require certain trucking operations (for example, those that haul cars) to show proof of adequate general liability coverage. Many brokers and shippers require $1,000,000 of coverage as of date to help offset the rising costs of claims. 

Types of Commercial Trucking Insurance

Primary Liability

Primary Liability Insurance coverage protects you from damage or injuries to other people as a result of a truck accident. This truck insurance coverage is mandated by state and federal agencies and proof of coverage is required. Typical insurance coverage limits ranging from $35,000 to $5,000,000. Pricing is dependent on region, driving records, and history of the trucking operation.


Physical Damage

Physical Damage Insurance is coverage for your truck and trailer. This insurance coverage is for repair or replacement for damage resulting from events such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles. Pricing is based on the value of your equipment and usually pays a percentage of that value. Physical damage coverage may be required by the lien holder of your vehicle.


Motor Truck Cargo

Motor Truck Cargo insurance is needed to protect the carrier in case of lost freight or damaged goods. There is a maximum load limit per vehicle with this policy. Truck insurance coverage limits can range from $10,000 to $200,000 with excess policies available upon request. Pricing for this insurance is mainly dependent on the type of cargo being hauled.


Trailer Interchange

Trailer Interchange Insurance is 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. This is a popular option for carriers that operate as "power-only" carriers. 


Non-Trucking Liability

Non-Trucking Liability (Bobtail Coverage) provides limited liability truck insurance for owner-operators who are permanently leased to an ICC regulated carrier. It 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.