Overview
Our trucking insurance solutions are designed to protect motor carriers, owner‑operators, and commercial fleets from financial loss and regulatory exposure. Each policy component plays a critical role in safeguarding your business, your drivers, and the cargo you transport.
Auto Liability Insurance
Auto Liability coverage protects your business when a driver is legally responsible for bodily injury or property damage caused during trucking operations.
- Bodily injury liability
- Property damage liability
- Defense costs
- Coverage compliant with FMCSA requirements
- Minimum limits based on vehicle type and cargo classification
Purpose: Ensures financial protection and satisfies federal and state operating requirements for motor carriers.
Physical Damage Insurance
- Physical Damage coverage protects your trucks and trailers from direct physical loss.
- Collision coverage
- Comprehensive coverage (fire, theft, vandalism, weather)
- Towing and storage options
- Coverage for owned or financed equipment
- Purpose: Keeps your equipment protected and operational after unexpected damage.
Motor Truck Cargo Insurance
Cargo coverage protects the goods you haul against loss or damage while in transit.
- Theft, collision, fire, and spoilage
- Reefer breakdown options
- High‑value cargo endorsements
- Debris removal and earned freight coverage
Purpose: Ensures your customers’ cargo is protected and your business avoids costly claims.
General Liability Insurance
General Liability protects your business from non‑auto‑related claims.
- Premises liability
- Loading/unloading incidents
- Customer property damage
- Advertising injury
- Provides liability protection when you are not in the drivers seat.
Purpose: Covers risks that occur off the road but still within your trucking operations.
Federal & State Filings
We provide all required filings to keep your trucking operation compliant with FMCSA and state regulations.
- MCS‑90 (Proof of financial responsibility)
- BOC‑3 (Process agent filing)
- UCR (Unified Carrier Registration)
- Form E / Form H (State filings)
- ICC filings for interstate carriers
Purpose: Ensures your authority remains active and your business stays legally compliant.
Additional Optional Coverages
- Non‑trucking liability (Bobtail)
- Trailer interchange
- Non-owned Trailer
- Occupational accident coverage
- Workers’ compensation
- Excess liability / umbrella policies
- Inland Marine