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Comprehensive Coverage Hub
Protecting Your Truck, Cargo, & Business
Commercial trucking carries unique liabilities and regulations. From owner-operators starting a new venture to established fleet operations, we compile the ultimate coverage lines to protect your operations. Compare our specialized coverages below.
Our Coverage Lines
Tailored Insurance for Every Operation
Select a coverage line below to explore requirements, miles, and options custom-tailored for your truck driver profile.
Primary Liability
Mandatory state & federal coverage protecting you from third-party bodily injury and property damage claims in an at-fault accident.
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Motor Truck Cargo
Protects the freight and cargo hauled in transit against cargo loss, damage, theft, refrigeration breakdown, or collision.
Explore Cargo
Physical Damage
Collision and comprehensive coverage safeguarding your expensive tractors, trucks, and trailers from accidents, fire, theft, or vandalism.
Explore Phys Dam
General Liability
Protects your business from liabilities not directly relating to driving, such as slip-and-falls at your office, depot, or loading docks.
Explore Gen Liab
Bobtail Insurance
Protects your tractor when operating without a trailer attached, whether you are under dispatch or driving between terminal points.
Explore Bobtail
Non-Trucking (NTL)
Provides essential liability protection during off-duty hours when the truck is driven for personal, non-business convenience.
Explore NTL
Trailer Interchange
Covers physical damage to trailers you do not own while in your possession under a written interchange agreement.
Explore Interchange
Claims & Roadside
24/7 dedicated commercial transit claim support and roadside guidance to handle accidents quickly and protect safety scores.
Explore ClaimsCoverage Matching Guide
What Coverages Do You Actually Need?
Identify the standard required coverages to maintain compliance, satisfy shipper contracts, and secure financing.
Own Authority
For independent truckers operating under their own active DOT/MC numbers.
- Primary Liability ($1M standard)
- Motor Truck Cargo ($100K standard)
- Physical Damage (Truck value)
- General Liability (Shipper mandate)
Leased-On Driver
For owner-operators permanently leased-on to a larger motor carrier authority.
- Non-Trucking Liability (Off-duty)
- Physical Damage (Collision/Comp)
- Bobtail Coverage (No trailer)
- Primary Liability (Provided by carrier)
Commercial Fleets
For motor carriers managing fleets of 2 or more trucks/drivers.
- Fleet Liability ($1M+ miles)
- Cargo & Interchange Coverage
- General Liability & Excess Umbrella
- Fleet Safety Coaching & Audit Help
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