Insurance by equipment type
A reefer and a dump truck carry the same lines of coverage, but very different risks. Choose your equipment.
Dry van
General freight in an enclosed trailer. The standard broker setup: $1,000,000 auto liability and $100,000 cargo.
Reefer
Temperature-controlled freight. Standard cargo cover usually won't pay for spoilage, so reefer breakdown is added on.
Flatbed
Open-deck freight like steel, lumber, and machinery. Securement and oversize loads shape what cargo policies will cover.
Box truck
Straight trucks for local delivery, final mile, and expedited work. Lighter than a semi, with its own filing rules.
Hot shot
Heavy-duty pickups pulling gooseneck or flatbed trailers on time-critical loads. Small rig, full carrier obligations.
Tanker
Liquid and bulk loads, from food-grade to fuel. Hazmat tankers carry far higher federal liability minimums.
Car hauler
Open or enclosed vehicle transport. The cargo is someone's car, so cargo limits are set per vehicle and per load.
Dump truck
Sand, gravel, and construction haul, usually local. Job-site work brings general liability into play more than most.
Run something else?
Logging, livestock, intermodal, or a mixed fleet. Send us the details.