Business Insurance
Trucking Insurance
In today’s high-demand landscape—where logistics technology and supply chain efficiency are more critical than ever—Commercial Trucking Insurance has evolved beyond a simple legal requirement. It’s the bedrock of your business’s financial stability.
Whether you’re an independent owner-operator with a single rig or managing a growing regional fleet, trucking operations face unique high-severity risks—from rising litigation costs and cargo theft to modern technology and operational exposures.
Our programs are designed to match your routes and equipment today, with the flexibility to adjust coverage as contracts evolve. We partner with top-tier carriers to offer policies that reward safe operations while protecting your livelihood against the unexpected.
Built Around Your Business Fleet
Your vehicles are your most valuable physical assets. A standard policy is no longer enough—you need a strategy that covers everything from basic pickups to heavy-duty specialized equipment:
- Tractor-Trailers & Semis: Comprehensive protection for the long-haul backbone of your business.
- Specialized Heavy-Duty: Targeted coverage for dump trucks, cement mixers, car haulers, and logging trucks.
- Delivery & Service Vehicles: Flexible options for box trucks, cargo vans, tow trucks, and bucket trucks.
- Niche Operations: Custom solutions for refrigerated (reefer) trucks, tankers, and garbage trucks.
Precision Coverage Options
Because every trucking operation is different, our role is to help you choose endorsements that eliminate dangerous gaps in protection:
- Primary Auto Liability:
The essential shield for bodily injury and property damage—helping meet FMCSA and state filing requirements. - Motor Truck Cargo:
Protects the value of the freight you carry—often essential for securing higher-value shipper contracts. - Physical Damage:
Comprehensive and collision coverage to repair or replace trucks after accidents, theft, or weather events. - Trailer Interchange:
Important when hauling a trailer you don’t own under a written interchange agreement. - Bobtail vs. Non-Trucking Liability:
Bobtail: Covers you when driving your tractor without a trailer while still “on the clock” or under dispatch.
Non-Trucking (NTL): Provides liability coverage for purely personal use of your truck while “off the clock.”
Types of Commercial Vehicles We Insure
We provide coverage for a wide range of commercial trucks and vehicles, including:
- Tractor Trucks
- Dump Trucks
- Box Trucks
- Tow Trucks
- Flatbed Trucks
- Cargo Vans
- Pickup Trucks
In addition, we can insure specialized and heavy-duty vehicles such as:
- Refrigerated Trucks
- Dry Van Trucks
- Tank Trucks
- Car Haulers
- Cement Mixing Trucks
- Agricultural Trucks
- Garbage Trucks
- Bucket Trucks
- Street Sweepers
- Delivery Vans
- Logging Trucks
The Strategic Value of Professional Guidance
Insurance costs are increasingly influenced by your commitment to safety. We help you lower premiums by identifying the right combinations of:
- Telematics & Dashcam Discounts: Using safety data to demonstrate lower risk.
- Optimized Deductibles: Finding the sweet spot that reduces monthly overhead without exposing you to unmanageable out-of-pocket costs.
- Bundled Efficiency: Pairing your truck program with General Liability or Workers’ Compensation for a seamless, cost-effective approach.
Protect what you’ve worked hard to build.
Don’t let a single accident or cargo loss stall your progress. Contact our office today for a comprehensive review of your trucking exposures and a custom quote built for the road ahead.
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