Insurance for commercial trucks

Running a trucking business is difficult. Insuring it shouldn't be. Call to get a commercial truck insurance quote in minutes.

CALL NOW (380) 225-5242 CALL NOW (380) 225-5242 or click here to request a quote online >

Truckers keep America moving. Trucking business owners keep their drivers, fleets, and cargo protected

You know how deeply integral your trucking business is to our economy. You love the vital role you play in the lives of your customers and wouldn’t have it any other way. Your days and nights are long, but you take great pride in the work you do and the service you provide.
‍
Big rewards come with big risks, and as a long-haul trucking business owner, you are well aware of both. Truckers driving to different destinations every day delivering products under varied circumstances face unique risks. That makes insurance for commercial trucks and commercial truck fleet insurance part of the essential rules of the road for your trucking company.

Operate a business with a physical location.
Have assets, like inventory or equipment, that can be stolen or damaged.
Risk customer injury or property damage due to your operations.

Accidents that could threaten your trucking business

Without insurance for commercial trucks, claims can take a considerable toll on the financial stability of your business. Here are just a few examples of accidents that could threaten your investments:

Driving incidents: long haul truckers spend their days driving from one destination to the next. If you or an employee is involved in an accident along the way, auto-related claims could affect your business. Commercial truck fleet insurance can go a long way toward protecting what you’ve built.
Customer property damage: your superpower is manipulating large trucks into tight spaces, but mistakes happen. A customer could claim that you or your staff damaged their property. Without insurance for commercial trucks, you would pay for the damage out-of-pocket.
Workplace injuries: as a long-haul trucking business owner, you and your employees face a wide range of risks, from auto accidents on the road to injuries caused by loading and unloading heavy cargo.

Save money. Your property and liability risks are bound in a single package with premiums that are typically less expensive than purchasing and renewing each coverage individually.
For example, just like when you order a meal at a fastfood restaurant, when you buy the meal deal, it's cheaper than if you buy your sandwich, drink, and fries individually.
Simplifies the insurance process and makes it easier for you to manage multiple coverages in one business owner’s policy.
It’s invaluable to have the peace of mind that you are properly protected through a range of coverages included in one business owner’s policy so you can focus on growing your business.

What are the recommended types of insurance for commercial trucks?

Commercial trucking business owners are often drivers themselves. Whether it’s you or your fellow drivers, your business or your fleet, there are risks around every corner. You won’t find one type of insurance that covers every risk you face. Commercial trucking business owners are often drivers themselves. Whether it’s you or your fellow drivers, your business or your fleet, there are risks around every corner. You won’t find one type of insurance that covers every risk you face.

A few mandatory coverages include liability insurance, which is typically required by law and covers costs associated with injuries to others (bodily injury liability) and damage to their property (property damage liability) in an accident involving your truck. Primary liability is similar to general liability and protects you if you cause an accident. These coverages often form the foundation of insurance for commercial trucks and trucking companies, providing protection and peace of mind. But trucking business owners like you might need additional coverage beyond liability policies to protect your investments, your equipment, and your personnel, wherever the job takes you.

Coverage options could include:



Bobtail.



Business interruption.



Cargo (aka motor truck cargo insurance).



Commercial auto.



Heavy truck roadside assistance.



Motor truck general liability.



Non-trucking liability insurance.



Physical damage (including collision
and comprehensive insurance).



Rental reimbursement with downtime coverage.



Trailer interchange.



Uninsured/underinsured motorists.



Workers' compensation.



Other specific coverages to protect
your trucking business.

How to secure insurance for commercial trucks

Running a trucking business is plenty to worry about without wondering what kind of insurance you need. Working with a trusted advisor who understands insurance for commercial trucks and fleets can help protect your investments and allow you to focus on getting the job done right.
‍
There is no one-size-fits-all insurance solution. That’s why it’s important to discuss the nuances of your specific operation, like where and how you operate, with a commercial insurance agent who has experience in trucking insurance. With the right information, they will get you the coverage you need.

By now you understand how important it is to be properly insured. What’s next?

Call (380) 225-5242 to connect with an experienced insurance agent who understands the nuances of your business and industry.

Your business is worth protecting

To connect with an agent who is experienced in insurance for truckers, call the CIC.

CALL NOW (380) 225-5242 CALL NOW (380) 225-5242

Why choose the Commercial Insurance Center to get insurance for commercial trucks or a whole fleet?

By now you understand how important it is to be properly insured. What’s next? Get matched with an expert who will take the time to understand the nuances of your business and get you the right coverage at the right price for your trucking company.

Call the Commercial Insurance Center now at (380) 225-5242 to connect with an agent who has experience providing insurance for commercial trucks and trucking business owners just like you.

FAQs for
trucking insurance

Have more questions?
Call now (380) 225-5242

How do I know what the state and federal insurance regulations are for my trucking business?

Specific insurance coverage requirements vary by location. When you speak with the Commercial Insurance Center, we will connect you with an agent who has experience with your specific location and guide you to the right policies.

‍

Does the fleet size of my trucking business influence the type of insurance I need?

Yes, the fleet size of your trucking business will help determine what coverages you need. Connect with an agent who is familiar with the trucking industry to make sure you get the right coverage.

I currently operate a local trucking operation but looking to expand to include long-haul trucking. Will I need additional coverage?

Yes, your operating radius, or where you operate, affects your risk exposure and insurance needs. Local, regional, or long-haul truckers have different coverage needs. It’s best to speak with a licensed agent whenever your operating radius changes to make sure you are properly covered.

Does the type of trucking operation determine what kind of trucking insurance I need?

Yes! The type of hauling you do (e.g., general freight, hazmat, refrigerated goods) will influence the necessary coverages. In other words, general freight, hazmat, and refrigerated goods all have specific coverages. It’s best to speak to an agent who is experienced in trucking insurance to ensure you have the right coverage.