TRUCKING

We know the ins and outs of the transportation industry and have designed our coverages to provide the best protection possible. Working with us, we can provide you access to the products you need to insure that you have the right coverage. This includes the industry’s broadest cargo form for motor carriers.

Our offering includes coverages that support Motor Carrier and Public Auto Passenger Carrier customers:

• Auto liability
• General liability for truckers class
• Motor truck cargo
• Physical damage
• Tool & equipment floater
• Workers compensation

Owner Operators

Owner operators need special truck insurance products and services whether they're operating under permanent lease to a motor carrier or under their own authority. We understand the difference and can help you choose the best trucking insurance coverages to match your business and protect your livelihood.
Owner operators under permanent lease to a motor carrierIt's common for a motor carrier to provide primary liability insurance coverage while you're working for them under permanent lease. This typically covers injuries or damage to other people or property if you're found responsible for an accident.

Depending on your business, you might need additional owner operator truck insurance coverages, including:

• Non-Trucking Liability – Protection for when you're using your vehicle for personal use and not under dispatch.
• Physical Damage – Covers the cost of fixing or replacing your truck if it's involved in an accident or stolen.
• Trailer Interchange – Physical damage coverage for non-owned trailers being pulled under a trailer interchange agreement.
• While some motor carriers offer these specialized types of trucking insurance, you can often get a better deal by buying them yourself. This allows you to customize your owner operator insurance policy by fine-tuning the exact types and amounts of coverage.

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Owner operators with their own authorityIf you're working under your own authority, you'll need to carry your own commercial truck insurance coverages, including:

• Liability – Pays for damages that you cause to other people and their property. It normally includes Bodily Injury Liability and Property Damage coverages.
• Physical Damage – Pays for repairs to your truck if it's damaged in an accident, whether it's caused by a collision with another vehicle or a falling tree branch.
• Motor Truck Cargo – Coverage for loss or damage to the load you're hauling.
• Motor Truck General Liability – Pays for injuries or property damage you cause because of business activities not directly related to using your truck.

FOR-HIRE TRUCKING

You spend a lot of money on your trucking business, so you want to be sure it's protected. After all, your truck is your livelihood — that's why motor carrier insurance designed specifically for for-hire truckers is so important. Choosing the right motor carrier coverage is the best way to protect your investment and your business.

Truck insurance protects your business and provides the coverage you need while offering you some of the best rates in the industry, 24/7 policy assistance, and expert claims service, too.

For-hire truck insurance recommendations
Many motor carriers use permanently leased independent contractors. If you are one of these for-hire owner-operators, you may receive Primary Liability insurance under your motor carrier’s authority. However, you may still need to purchase “Contingent” or Non-Trucking Liability insurance and Physical Damage coverage for your vehicle. There are many for-hire truck insurance options. Read below to learn more about the types of motor carrier insurance coverages you or your contractors may need.

Mandatory motor carrier truck insurance coveragesLiability insurance is a mandatory motor carrier insurance coverage that pays for damages you cause to other people and their property. Liability insurance coverages for motor carriers includes Bodily Injury insurance and Property Damage coverage.

Optional motor carrier insurance coveragesTo make sure you have the best protection for your truck when you’re on the road, you should also consider purchasing some of the optional motor carrier insurance coverages:

• Physical Damage – Can pay for repairs to your truck if it's damaged in an accident, whether it's caused by a collision with another vehicle or a falling tree branch and can include Collision insurance, Comprehensive insurance, or Fire and Theft with Combined Additional Coverages.


• Medical Payments – Available in select states, this first party coverage can pay medical bills for you and any passengers in your truck in case they are hurt in an accident or auto-related injury.


• Uninsured Motorist – Can pay for injuries and damages to you or your passengers and your vehicle, where available, caused by drivers who either don't have insurance or don't have enough insurance to cover your injuries and damages.


• Motor Truck Cargo – Can pay for damages to cargo you're hauling.