The trucking industry requires specialized insurance programs that meet federal and state regulatory requirements. From owner-operators to large fleets, we provide comprehensive motor carrier insurance with competitive rates and fast filings.
Coverages we place
Auto liability meeting FMCSA minimum requirements ($750K–$1M+)
Physical damage for tractors, trailers, and specialized equipment
Motor truck cargo for goods in transit
General liability for terminal and yard operations
Workers' comp for drivers and dock workers
Non-trucking liability (bobtail) for owner-operators
Trailer interchange coverage
MCS-90 and BMC-91 regulatory filings
Who needs this coverage
Motor carriers, owner-operators, fleet operators, intermodal carriers, and any trucking company requiring FMCSA-compliant insurance.
What drives your premium
Number of power units and drivers
Radius of operations (local, regional, long-haul)
Cargo types hauled (general freight vs. hazmat)
Driver experience and MVR records
Years in business and loss history
Operating authority age (new ventures pay more)
Common exclusions
Vehicles operated without valid CDL
Excluded drivers not listed on policy
Personal use of commercial vehicles (without endorsement)
Cargo exclusions for specific commodities (varies by policy)
Intentional regulatory violations
Frequently asked questions
What insurance do trucking companies need?
At minimum: auto liability, physical damage, cargo insurance, and regulatory filings (MCS-90/BMC-91). Most carriers also need general liability, workers' comp, and non-trucking liability.
How much does trucking insurance cost per truck?
Expect $8,000–$15,000 per truck per year for established carriers. New ventures typically pay $12,000–$20,000+ per truck until they build experience.
Can new trucking companies get insurance?
Yes. We specialize in new venture trucking programs and can help you get coverage as early as day one of your operating authority.