Insurance for Trucking Companies
Coverage that keeps your fleet moving.
Get comprehensive trucking insurance that protects your fleet, meets federal requirements, and keeps your business on the road.
Licensed agents who understand trucking deliver fast quotes, instant certificates, and expert support for trucking companies and owner-operators nationwide.
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Licensed agents who understand your industry and get you competitive quotes fast.
Why Trucking Insurance Matters
Protect your business from the risks of the road
Operating a trucking company means managing risks at every mile—from serious accidents and cargo damage to regulatory compliance and driver injuries. Whether you're an owner-operator with a single truck or managing a large fleet, the right insurance coverage protects your business from the claims, accidents, and regulatory issues that can shut down operations and destroy your livelihood overnight.
Federal regulations require trucking companies to carry specific minimum liability coverage depending on the type of cargo you haul. For-hire carriers hauling non-hazardous freight need $750,000 in liability, while hauling hazardous materials can require $5,000,000 or more. Beyond the legal minimums, most operations need Physical Damage coverage for their trucks, Cargo Insurance to protect freight, and Workers' Compensation for drivers and staff.
The key to getting the right trucking insurance at the right price is working with agents who understand the industry. Your operating authority type, safety record, years of experience, and the cargo you haul all dramatically affect your rates. New authorities typically pay more until they establish a clean safety record. Owner-operators leased to carriers may need different coverage than independent operators with their own authority. Ready to protect your trucking business, meet DOT requirements, and get back on the road?
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
Commercial Auto
RequiredRequired by federal law for interstate trucking. Covers bodily injury and property damage you cause on the road. Minimum $750K for general freight.
Workers' Compensation
RequiredRequired in most states for employees. Pays medical bills and lost wages when drivers or staff are injured on the job.
General Liability
Covers non-trucking liability like injuries at your terminal, office operations, and general business activities off the road.
Industry Risks
Common risks you need to protect against
Real risks trucking companies face
See how the right insurance protects you when things go wrong on the road
Risk
Your driver is involved in a serious multi-vehicle accident causing injuries to multiple people and totaling several vehicles.
Commercial Auto Liability
Pays for bodily injury claims, property damage, and legal defense—potentially saving you millions in personal liability that could destroy your business.
Risk
Your driver is involved in a serious multi-vehicle accident causing injuries to multiple people and totaling several vehicles.
Commercial Auto Liability
Pays for bodily injury claims, property damage, and legal defense—potentially saving you millions in personal liability that could destroy your business.
Risk
A refrigerated trailer loses power overnight, spoiling $80,000 worth of frozen goods during delivery.
Cargo Insurance
Reimburses the value of the damaged cargo and covers your liability to the shipper, protecting your reputation and keeping you in business.
Risk
A refrigerated trailer loses power overnight, spoiling $80,000 worth of frozen goods during delivery.
Cargo Insurance
Reimburses the value of the damaged cargo and covers your liability to the shipper, protecting your reputation and keeping you in business.
Risk
Your driver slips on ice at a truck stop and suffers a back injury requiring surgery and months of recovery.
Workers' Compensation
Pays all medical bills, rehabilitation, and partial lost wages. Without coverage, you'd face both the medical costs AND a potentially devastating lawsuit.
Risk
Your driver slips on ice at a truck stop and suffers a back injury requiring surgery and months of recovery.
Workers' Compensation
Pays all medical bills, rehabilitation, and partial lost wages. Without coverage, you'd face both the medical costs AND a potentially devastating lawsuit.
Why Choose Us
Why trucking companies choose 1-800-INSURANCE
- Instant certificates of insurance for brokers and shippers
- Agents who understand DOT requirements and FMCSA compliance
- Coverage for owner-operators, small fleets, and large carriers
- Help with new authority filings and required filings
- Access to carriers specializing in trucking with competitive rates
- 24/7 online policy access for certificates and driver additions
Essential coverage for trucking companies
Compare quotes and get the specific policies your trucking operation needs
Commercial Auto
Required liability coverage for interstate trucking. Protects against bodily injury and property damage claims.
Workers' Compensation
Required coverage for employees. Pays medical bills and lost wages when drivers get hurt on the job.
General Liability
Coverage for non-trucking business activities like terminal operations and office work.
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Trucking Insurance FAQs
What insurance do I need to start a trucking company?
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At minimum, you need Commercial Auto Liability ($750,000 for most freight types), Cargo Insurance (typically $100,000), Physical Damage coverage for your trucks, and Workers' Comp if you have employees. You'll also need to file proof of insurance with the FMCSA before your authority becomes active.
Why is trucking insurance so expensive for new authorities?
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New trucking companies haven't established a safety record yet, making them higher risk for insurers. Expect to pay premium rates for your first 2-3 years until you demonstrate safe operations. After building a clean record, you can often negotiate significantly lower rates.
What is bobtail insurance?
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Bobtail (or non-trucking liability) insurance covers your truck when you're not under dispatch—like driving home after dropping a load or running personal errands. Your primary liability insurance only covers you when hauling freight for a motor carrier.
Do owner-operators need their own insurance if leased to a carrier?
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It depends on your lease agreement. The carrier's policy typically provides primary liability while you're under their authority. However, you usually need your own Physical Damage coverage for your truck, Non-Trucking Liability for personal use, and Occupational Accident coverage since you're not eligible for the carrier's workers' comp.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.