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Coverage Solutions

Commercial Trucking Coverages

From federally mandated liability to specialized cargo protection, we offer the full
spectrum of coverages that keep your trucking operation protected and
compliant.

FMCSA Required

Primary Auto Liability

Federally mandated coverage for bodily injury and property damage caused by your commercial vehicles. Required by the FMCSA for interstate carriers. Limits depend on cargo type — general freight requires $750K minimum, hazmat carriers need $1M–$5M.

Typical Limits   $750,000 – $5,000,000
Who Needs It
All for-hire motor carriers operating under FMCSA authority

Recommended

Physical Damage

Comprehensive and collision coverage for your tractors, trailers, and attached equipment. Covers damage from accidents, theft, vandalism, fire, weather events, and more. Lienholders typically require this coverage.
Typical Limits   Actual Cash Value or Stated Amount
Who Needs It  Any carrier with financed or high-value equipment

Essential

Motor Truck Cargo

Protects the freight you haul against loss or damage during transit. Commodity-specific — rates and terms vary by cargo type (dry van, refrigerated, flatbed, tanker). Shippers and brokers often require proof of cargo insurance.
Typical Limits  $100,000 – $500,000
Who Needs It  For-hire carriers transporting goods for others

Recommended

General Liability

Covers third-party bodily injury and property damage claims arising from your business operations, premises, and products. Protects against slip-and-fall, advertising injury, and other non-auto claims.
Typical Limits  $1,000,000 / $2,000,000
Who Needs It  Carriers with a physical location, yard, or terminal

Owner-Operators

Non-Trucking Liability (Bobtail)

Covers liability when operating your truck for personal use or when not under dispatch — driving to the shop, heading home, or bobtailing without a trailer. Essential gap coverage for leased owner-operators.
Typical Limits  $1,000,000
Who Needs It  Owner-operators leased to a motor carrier

Specialized

Trailer Interchange

Covers physical damage to trailers you do not own but pull under a trailer interchange agreement. Required by many shippers and intermodal carriers when you pull their equipment.
Typical Limits  Per trailer value, typically $30K–$100K
Who Needs It
Carriers pulling trailers owned by others under interchange agreements

Required

Workers' Compensation

Covers medical expenses, lost wages, and rehabilitation for employees injured on the job. Required by law in nearly every state. Rates are based on payroll and job classification codes.
Typical Limits  Statutory limits per state
Who Needs It
All carriers with W-2 employees (required in most states)

Owner-Operators

Occupational Accident

An alternative to workers’ compensation for independent contractors. Covers accidental death, dismemberment, medical expenses, and disability benefits. Many motor carriers require this for leased owner-operators.
Typical Limits   $500,000 – $1,000,000
Who Needs It
Independent contractors / owner-operators not eligible for workers’ comp

High Value

Umbrella / Excess Liability

Provides additional liability limits above your primary auto liability, general liability, and employers’ liability. Critical for carriers hauling high-value freight, hazmat, or operating large fleets.
Typical Limits  $1M – $10M+ excess
Who Needs It  Carriers needing limits above their primary policy

Specialized

On-Hook / Garagekeepers

On-Hook coverage protects vehicles being towed or transported on your truck. Garagekeepers covers customer vehicles stored at your facility. Essential for towing operations and carriers with terminal storage.
Typical Limits Varies by operation
Who Needs It  Tow operators and carriers with yard storage

Not Sure Which Coverages You Need?

Our specialists will build a coverage package tailored to your operation, cargo, and authority. Get a free, no-obligation quote today.

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877-893-7629