Primary Liability

Physical Damage

Physical Damage Insurance is coverage for your truck and trailer. This insurance coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles. Pricing is based on the value of your equipment and usually pays a percentage of that value. Physical damage coverage may be required by the lien holder of your vehicle.

Motor Truck Cargo

Motor Truck Cargo insurance is needed to protect the carrier in case of lost freight or damaged goods. There is a maximum load limit per vehicle with this policy. Truck insurance coverage limits can range from $10,000 to $100,000 with excess policies available upon request. Pricing for this insurance is mainly dependant on the type of cargo being hauled.

Trailer Interchange

Trailer Interchange Insurance is coverage for the legal liability of truckers for loss or damage to non-owned trailers and equipment which are in the insured's possession under a written trailer interchange agreement.

Non-Trucking Liability

Non-Trucking Liability (Bobtail Coverage) provides limited liability truck insurance for owner-operators who are permanently leased to an ICC regulated carrier. It provides limited liability protection when the owner-operator is not on dispatch, nor pulling a loaded trailer. For example, this coverage would apply when the owner-operator gets their truck washed or brings their trucks into a shop for repairs. Once the owner-operator is under dispatch, they are covered under the Primary Liability insurance policy of the company that they are leased to.

Short Term Insurance and Temporary Insurance

Short term truck insurance can be used to move a truck after purchase or for repairs.