Coverage
A trucking insurance program is usually made of several distinct coverages. Here is what the major options generally do and why they may matter.
Start a quote requestLiability protection for bodily injury or property damage caused while operating a covered truck.
This is the core liability coverage for many motor carriers. It may respond when a covered driver is legally responsible for injuring someone or damaging their property in an accident.
For-hire carriers and many contracts require evidence of liability coverage before a truck can operate or haul a load.
Protection for covered tractors and trailers after collision, theft, fire, and other specified losses.
Physical damage commonly combines collision coverage with comprehensive or specified-perils protection for equipment you own or finance.
A major loss to a tractor or trailer can interrupt revenue and leave a business paying for equipment it cannot use.
Coverage for covered freight while it is in your care, custody, or control.
Cargo coverage may respond when goods you are hauling are damaged or lost because of a covered cause, subject to commodity restrictions, limits, and exclusions.
Shippers and brokers often set cargo insurance requirements based on what you haul and the value of a typical load.
Protection for certain third-party injuries and property damage arising from business operations away from driving.
Commercial general liability may address risks such as a visitor injury at your premises or damage caused during loading activities, depending on policy terms.
Road liability does not address every business exposure. Contracts may also call for general liability coverage.
Physical damage protection for non-owned trailers used under a written interchange agreement.
This coverage may pay for covered damage to a trailer you do not own while it is in your possession under a trailer interchange agreement.
It can matter when you regularly exchange or pull another carrier’s trailers and are contractually responsible for them.
Liability coverage for certain personal, non-business use of a truck leased to a motor carrier.
Non-trucking liability is generally designed for qualifying personal use when a leased operator is not acting in the business of the motor carrier.
A motor carrier’s liability policy may not follow an owner-operator during every personal-use situation.
Liability protection for certain operation of a tractor without a trailer attached.
Bobtail and non-trucking liability are not interchangeable. Bobtail generally concerns the tractor’s configuration, while non-trucking liability concerns how it is being used.
The correct option depends on lease terms, dispatch status, and how the tractor is operated between loads.
Liability protection for certain vehicles a business rents, hires, or uses but does not own.
This coverage may address liability arising from eligible hired autos or employee-owned vehicles used for company business.
It can help fill a liability gap when business operations extend beyond vehicles listed on the commercial auto policy.
Protection when a covered vehicle is hit by a driver with no insurance or insufficient limits, where available.
Coverage may help with qualifying injuries or losses caused by an uninsured or underinsured driver. Rules and options vary by state.
Even a well-insured trucking business shares the road with drivers who may carry inadequate protection.
Options may include roadside assistance, rental reimbursement with downtime, or reefer breakdown.
Specialized endorsements can address towing, replacement transportation, refrigeration equipment failure, and other operational risks when offered.
Equipment, commodities, radius, and contracts determine which additional protections deserve attention.
These descriptions are general summaries and do not alter any policy. Coverage availability, limits, terms, exclusions and eligibility vary by carrier and individual risk.
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