Commercial Trucking Insurance Coverage
As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing, or any other private carrier capacity, we have truck insurance solutions for you.
Primary Liability – Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or insure that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.
Cargo Insurance – Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.
Physical Damage (Collision, Specified Perils) – Provides coverage for repair or replacement for damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.
Occupational Accident – Product designed specifically for owner-operators in the trucking industry. In most states, self-employed owner-operators can opt out of state-mandated workers’ compensation coverage. While not the same as workers’ compensation, occupational accident (occ/acc) is similar in scope and intent. Most motor carriers require their leased operators to be covered either by workers’ compensation or occupational accident (occ/acc) insurance at the leased operators’ expense. For those who qualify, occupational accident (occ/acc) is generally a lower-cost alternative.
