Insurance
Trucking and Fleets

Trucking and Fleets

You keep rolling, we’ll handle the paperwork

If you make your living in the transport industry, you know that your truck is your business. Truck insurance protects your vehicle, your cargo, and your assets, while ensuring you meet government requirements so you can drive with peace of mind. Whether you are an owner-operator with a single truck or manage an entire fleet, we explain every detail in plain language and compare options from various insurance providers.

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Coverages

Required coverages vary by state.

Covers injuries and property damage your truck causes to other people and vehicles. It’s legally required for companies operating under their own authority, and the insurer files proof of coverage with the government.
For owner-operators leased to a motor carrier. The company’s insurance generally covers you while working under dispatch. This coverage applies during non-business use, such as driving home or going to a repair shop.
Covers repairs or replacement of your tractor and trailer if they’re damaged by a collision, theft, fire, vandalism, or a storm.
Protects customers’ loads against loss or damage during transit. Many shippers and freight brokers require this coverage before releasing a load.
For refrigerated loads: covers cargo loss if the refrigeration unit breaks down.
Covers trailers you don’t own but are responsible for under a trailer interchange agreement with another company.
Covers medical expenses and lost income if an independent contractor driver is injured while working. It can be an alternative to Workers’ Compensation for eligible owner-operators without employees.
Covers certain incidents not involving the truck while it’s on the road, such as a visitor getting injured at your yard or property damage during loading or unloading.

See where the risk lies

Choose an insurance, explore the scene, and click on the highlighted points. Each point reveals a real-world risk factor and the coverage that addresses it.

01
Choose the insurance

Use the list to switch scenes.

02
Click on the numbers

Hotspots mark risk situations.

03
Read the coverage

Risk and solution side by side.

    How it works

    From quote to policy in three steps
    01
    Tell us about your situation

    What you want to protect, who needs coverage, and your history.

    02
    We compare insurers

    We show prices and coverages side by side, and explain the differences.

    03
    You end with an active policy.

    We handle the paperwork, and you receive the documents via email.

    FAQ

    Driving certain commercial trucks in the U.S. requires a U.S. Commercial Driver’s License (CDL). Insurers may also require a minimum amount of CDL driving experience. We help you understand what you may need to qualify for coverage.
    A USDOT number identifies your operation with the U.S. Department of Transportation. An MC number generally authorizes certain interstate for-hire transportation. Transportation companies operating under their own authority may need to file proof of insurance with the government, and we can help coordinate that filing with the insurer.
    It depends on what you transport and where you operate. The federal minimum liability limit for many interstate general-freight carriers is often $750,000, while hazardous materials may require higher limits. Brokers and customers may require more. We’ll review your contracts and help determine appropriate limits.
    The carrier generally provides liability coverage while you’re working under dispatch. You may need Non-Trucking Liability, Physical Damage, and Occupational Accident coverage if you want protection for your income and medical expenses. We can help you confirm your contract requirements.
    At first, it often is. New-authority carriers have limited operating history and may pay more during the first year. Rates tend to improve over time with a good record. We compare insurers to help find the best option from the start.
    CDL driving experience, driving record, load type, distance traveled, states where you operate, truck value, and how long your company has been in business.
    Yes. We can place all your vehicles and drivers on one policy, simplifying management and potentially reducing costs.
    Contact us by email, phone, or WhatsApp, or schedule a meeting. We’ll compare your current coverage with options from multiple insurers and send you the best matches.
    Licensed

    We know the requirements of each state we operate.

    Independent

    We get quotes from various insurance companies and compare them for you.

    In your language

    Support from the initial contact through to renewal.

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    Tailored protection for growing businesses.

    Find out how much your insurance costs

    Free quote, no obligation, with a response within 1 business day.

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