Industry guide
Insurance for trucking companies
Trucking insurance starts with auto liability large enough for your operating authority and your shippers' and brokers' contracts, then adds coverage for the cargo you haul and the equipment you own. Drivers, radius of operation, and the commodities you carry all shape what insurers ask and what you pay.
Where insurance questions come from
Liability on the road
For-hire carriers commonly need liability limits and filings that meet federal or state requirements, plus whatever brokers and shippers require.
Cargo you haul
Motor truck cargo coverage responds to damage to freight in your care, with limits and exclusions that vary by commodity.
Tractors and trailers
Physical damage coverage protects your own equipment, with values that need updating as you buy and sell units.
Drivers
Driver experience and records are central to underwriting and to which drivers a policy allows.
Coverage that commonly comes up
- Commercial Auto InsuranceLiability and physical damage for power units and trailers.
- General Liability InsuranceFor your yard, terminal, and non-driving operations.
- Workers' Compensation InsuranceFor employed drivers and staff.
This page is general information about how these policies commonly work. Every policy's own forms, endorsements, and exclusions decide what it covers. For advice about your business, talk with a licensed insurance agent.
Paperwork customers and contracts ask for
- Certificates of insurance for brokers and shippers
- Proof of required liability filings
- Schedules of power units and trailers
- Driver lists
Keep these together in your PolicyChecked account, so you can answer a certificate request in minutes.
Before your renewal or your next contract
What to check on your own policy
- Liability limit compared with broker and shipper contracts
- Cargo limit and commodity exclusions for what you actually haul
- Scheduled units, trailer interchange, and non-owned trailers
- Listed drivers and any excluded drivers
- Radius of operation stated on the policy
Not sure what your policy says?
Upload your declarations page. The free AI coverage check lists your coverages, limits, and deductibles in plain language and flags items to discuss with a licensed agent.
Check Your CoverageTrucking Companies: common questions
Other industries we work with
- ContractorsLiability, vehicles, tools, and the certificates every general contractor asks for.Learn more
- Construction CompaniesLiability, builder's risk, and managing the insurance of every subcontractor you hire.Learn more
- RestaurantsGuests, kitchens, staff, and, if you serve alcohol, liquor liability.Learn more
- Retail StoresCustomers in your store, inventory on your shelves, and payments at your register.Learn more
- Landscaping CompaniesProperty damage on clients' lawns, trucks and trailers, mowers, and seasonal crews.Learn more
- HVAC ContractorsWork inside homes and buildings, service vans, and completed-work claims.Learn more
Know what you're covered for before you need it.
Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.