Looking for Trucking Insurance?
Protect your trucking company from accidents, cargo damage, liability claims, and vehicle damage. Get coverage for trucking fleets, owner-operators, and freight transportation operations.
What is Trucking Insurance?
Trucking insurance protects freight carriers from accidents, cargo damage, liability claims, and vehicle damage. Coverage includes commercial auto liability, cargo coverage, and physical damage. FMCSA, shippers, and brokers require proof of insurance before operating authority or load assignments.
Commercial Auto Liability
Coverage for truck accidents and third-party injuries during freight operations.
Cargo Protection
Protects freight being hauled from damage, loss, or theft.
Physical Damage
Covers collision and comprehensive damage to trucks and trailers.
Certificates
Fast proof for FMCSA, brokers, and shippers.
Who Needs Trucking Insurance?
- Trucking Companies : Freight carriers requiring commercial auto and cargo coverage
- Owner-Operators : Independent drivers needing authority and insurance filings
- Fleet Operators : Multi-truck operations with comprehensive coverage needs
- Specialized Freight Carriers : Hazmat, oversized, or temperature-controlled haulers
Why Harper?
Trucking Industry Expertise
We understand carrier risks—accidents, cargo claims, DOT compliance, and nuclear verdicts. Get coverage for dry van, refrigerated, flatbed, or specialized trucking.
Fast Proof for Authority
FMCSA requires insurance before MC authority activation. We deliver filings quickly for federal compliance.
Clear Simple Guidance
We explain commercial truck insurance, cargo coverage, and FMCSA requirements clearly.
Tailored to Your Fleet
Match coverage to your trucking—dry van, refrigerated, flatbed, tanker, or specialized freight hauling.
Frequently Asked Questions
What insurance do trucking companies need?
Trucking operations need commercial auto liability meeting FMCSA requirements ($750,000 minimum for general commodities, $1 million for some freight, $5 million for hazmat), motor truck cargo insurance covering freight being transported, and physical damage for owned trucks and trailers. General liability covers non-driving operations, while occupational accident or workers compensation covers driver injuries.
Is trucking insurance required?
Yes, FMCSA requires interstate motor carriers to file proof of minimum financial responsibility (insurance) before granting MC/DOT operating authority through Form BMC-91 or MCS-90 endorsements. States require commercial auto for intrastate carriers. Brokers require cargo coverage before load assignments.
How much does trucking insurance cost?
New authority owner-operators pay $12,000–$25,000+ in first year for commercial auto and cargo coverage due to lack of operating history. Experienced owner-operators with clean records pay $8,000–$15,000 annually. Small fleets with 5-10 trucks pay $75,000 to $250,000+ annually.
Does insurance cover truck accidents?
Commercial auto liability covers vehicle accidents during trucking operations including collisions causing injuries or property damage to third parties. However, catastrophic truck accidents can result in multi-million dollar verdicts exceeding policy limits, making higher limits increasingly common.
Does insurance cover cargo damage?
Motor truck cargo insurance covers freight damage or loss while in your care, custody, and control under bill of lading, including damage from accidents, theft, improper loading/securing, or temperature failures. Standard cargo policies typically cover $100,000 per load, though higher limits are common.
Can shippers require higher insurance?
Yes, many shippers require trucking carriers to maintain higher-than-minimum insurance limits before hauling their freight, often requiring $1-2 million auto liability and $250,000-$500,000 cargo coverage.