Trucking insurance coverage
Eight coverages make up most trucking policies. Here is what each one pays for and who usually needs it.
Primary auto liability
Pays for injuries and property damage you cause to other people while driving your truck.
Motor truck cargo
Pays for the freight on your trailer if it is damaged, destroyed, or stolen while in your care.
Physical damage
Pays to repair or replace your own truck and trailer after a crash, fire, theft, or storm.
Bobtail and non-trucking liability
Liability cover for leased owner-operators for the miles their motor carrier's policy does not cover.
General liability
Covers business risks that have nothing to do with driving, like an injury at your yard or damage at a customer's dock.
Trailer interchange
Pays for damage to a trailer you do not own while you are pulling it under a written interchange agreement.
Reefer breakdown
Pays for temperature-controlled freight that spoils because your refrigeration unit suddenly failed.
Occupational accident
Pays medical bills and lost income if an owner-operator is hurt on the job and has no workers' compensation.
Not sure which you need?
Tell us your rig and your authority. We'll tell you what brokers and your lease will ask for.