Commercial Truck InsuranceCommercial Truck Insurance Built for Real Trucking Operations
For-hire motor carriers and private commercial truck operators require properly structured liability, physical damage, and cargo coverage tailored to their operating authority, equipment weight, and haul radius.
Requesting a quote is free and does not bind coverage. All policies are subject to carrier underwriting and state availability.
Multi-Carrier Shop
Compare multiple US insurance carriers from one single online application.
Fast COI & Filings
Prompt certificates of insurance (COI), BMC-91 & SR-22 filing support.
New Authorities Welcome
Dedicated programs for new USDOT/MC numbers, box trucks & owner-operators.
Licensed Independent Advice
Transparent coverage comparisons with zero obligation to buy.
Coverage Options
Core coverages evaluated for Commercial Truck Insurance
Coverage limits, deductibles, and endorsements are structured around your equipment, contracts, and operating authority:
- Primary Auto Liability ($750,000 to $1,000,000+ CSL depending on authority and contracts)
- Physical Damage Coverage (Collision & Comprehensive for tractors, straight trucks, and trailers)
- Motor Truck Cargo Insurance matched to commodities hauled and shipper contracts
- Non-Trucking Liability, Trailer Interchange, and Hired/Non-Owned Auto options
Intended Customer Profile
Who this insurance program helps
- For-hire interstate and intrastate motor carriers operating under active USDOT/MC authority
- Independent owner-operators running under their own authority or leased to a carrier
- Regional and local commercial trucking businesses hauling general freight or specialized cargo
- Growing trucking fleets seeking coordinated multi-unit commercial truck policies
Key Operational Risks Addressed
- • Severe third-party bodily injury and multi-vehicle highway property damage claims
- • Cargo damage, load shift, theft, or temperature spoilage in transit
- • Tractor or trailer collision, fire, weather, or total-loss downtime
- • Contractual liability gaps between broker agreements and policy endorsements
What influences your premium
Insurance premiums are determined by carrier underwriting rather than flat rates. Key rating variables include:
- Gross Vehicle Weight Rating (GVWR), equipment type, model year, and stated value
- Operating radius (local, intermediate, regional, or nationwide OTR) and garaging ZIP code
- Commodities hauled, cargo value, and broker contractual limit requirements
- Driver age, CDL tenure, MVR violations, prior loss runs, and continuous coverage history
Underwriting considerations
- Active or pending USDOT/MC operating authority (where required by vehicle weight or for-hire status)
- Driver qualification review including CDL class, years of commercial driving experience, and MVR history
- Vehicle inspection, maintenance practices, and safety/CSA history where applicable
Common exclusions & terms to verify
- Primary liability does not cover damage to the insured truck itself (requires Physical Damage) or freight being hauled (requires Motor Truck Cargo)
- Unscheduled drivers, unreported radius changes, or excluded commodities may void or restrict coverage
- Policy terms, deductibles, sub-limits, and endorsements vary by carrier and must be reviewed in the actual policy specimen
What to have ready for an accurate quote
- Legal business name, garaging address, and USDOT / MC numbers (if applicable)
- Vehicle Identification Numbers (VINs), year, make, model, GVWR, and stated value for each truck and trailer
- Driver names, dates of birth, license numbers, states, and CDL experience
- Description of commodities hauled, operating radius, and prior insurance declarations or loss runs
Explore Related Commercial Trucking & Auto Programs
Frequently asked questions
Helpful answers before you begin.
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