Coverage Solutions

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.