Trucking Insurance

At Trucking Insurance Services, our focus is providing trucking companies with the highest quality commercial truck insurance solutions. Whether you're an Owner Operator or you own a small fleet, our insurance agents will help cover everything from a semi truck to a cargo van. It's Insurance As It Should Be, Because We Care About You and Your Business™.

Our customers have access to top-notch insurance carriers and monthly payment options with no finance charges. You'll receive a dedicated team to issue certificates of insurance out within minutes to ensure your truck wheels are turning. Not only that, we are not just your truck agents - we are your partners. Our agents are ready to offer customizable insurance options depending on your operation.

Learn More about Commercial Auto Insurance

How much does trucking insurance cost?

Trucking insurance rates vary based on location, equipment, type of operation, driving record (MVR), the owner's insurance rating score, and many more factors. Truck insurance for semi trucks or tractors can range from $10,000 to $18,000 on average. In some states, rates may be higher or lower. Certain trucking operations such as auto hauling, logging, dumping, or intermodal may have higher than average cost due to their increased risks. It is important to have a conversation with your trucking insurance agent about your operation and best business practices to reduce your premium.

What truck insurance coverage do I need?

Depending on your truck operation, you may be required to carry additional insurance. However, most trucking insurance policies include a standard set of coverage. We recommend talking to your trucking insurance agent about your company to assess what coverage you may need to protect you, your employees, and your business. Here is a list of coverage most semi truck companies need to operate:

• Liability Insurance
  Commercial Auto Liability is a critical component of your trucking insurance policy. This coverage protects your business by covering costs ascociated with damage to other vehicles and property, medical costs arising from the accident, and legal defense if your company is sued. Every trucking insurance policy includes Auto Liability insurance because it's mandatory for semi-trucks to operate. Trucking companies must carry at least $750,000 in Auto Liability coverage to operate interstate in the United States. Most truck insurance policies insure up to $1,000,000 in Auto Liability to meet broker requirements.
  
• Motor Truck Cargo Insurance
  Cargo insurance provides coverage for qualifying damages made to freight by collision and perils you face in transit. With cargo insurance, you can reimburse a client for damage - all without tapping into your bank account except to pay the deductible.
  
• Bobtail Insurance/Non Trucking Liability
  When your truck is without cargo, it still needs protection. Bobtail insurance and Non Trucking Liability covers your truck when it's not under load or when you're using it for non-business purposes. Your agent will ask whether you're under permanent lease to a motor carrier or operating under your own authority.
• Physical Damage Insurance
  If your truck is in an accident or collision, you need the right commercial insurance policy protecting your financial interests. Collision insurance and comprehensive insurance can cover various accidents and damages caused by theft, vandalism and fire, and other perils.
  
  Collision provides coverage in the event of a loss or damage caused by a collision or overturn
  Comprehensive provides coverage in the even to of loss or damage caused by incidents other than collision. This includes damages due to fire, theft, vandalism, windstorm, or contact with an animal.
• Truckers General Liability Insurance
  A general liability policy provides coverage for claims of bodily injury or other physical injury, personal injury (libel or slander), advertising injury and property damage as a result of your products, premises or operations, and can be offered as a package policy with commercial auto insurance.

 

In addition, we offer coverage tailored specifically for Intermodal Carriers (UIIA), Auto Haulers/Car Carriers, Owner Operators, and large fleets that may require excess coverage. An agent can connect you with a complete range of coverage and policy options for your trucking company. We offer financing options with low upfront costs and direct bill options without financing charges.

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Discover the Trucking Insurance Services Advantage

When you purchase a commercial insurance policy with Trucking Insurance Services, you are getting more than an experienced truck insurance agent, you are getting a business partner that will help you see around the corner. We are a family-owned business with decades in trucking. We aren't in the insurance industry, we are in trucking. 

Certificates At The Speed of Light

We know how important it is to send certificates of insurance to your brokers in a timely manner. Our team of dedicated certificate processing agents will have your certificate of insurance out the door within minutes. Need special verbiage or additional coverage? An agent will quickly update your policy and issue your certificate.

We Know Filings

We get it. Filings are complex. And knowing who needs what filing can make your head spin. Don't worry, our team of truck insurance experts will arrange to have your filings issued. Are you a new venture trying to activate your ICC/MC number? A member of our team will walk you through the process. 

Covering Truckers All Across The United States

Our licensed agents can cover your friends all across the United States. Learn more about Trucking Insurance Services.

Tell Us More About Your Trucking Company

Fill out a quick form to tell us more about your trucking company and your business operations for an insurance agent to reach out with a quote. All quotes are free. Tell us more about your company.

 

Get your truck insurance quote now
855-281-2924