Trucking Insurance Coverage Types
Six coverages that protect your truck, your freight, your business, and you. Here's what each one actually does.
Most truckers get handed a policy and never understand what they're paying for. We think that's wrong. Below is every coverage type you'll encounter as an owner-operator or fleet owner — what it covers, who needs it, and what it costs. No jargon. No fine print games.
Auto Liability Insurance
Covers damage you cause to others -- the one coverage every carrier must have.
Learn more →Bobtail Insurance
Covers your truck when you are NOT under dispatch -- driving to fuel, heading home, personal use.
Learn more →Cargo Insurance
Covers the freight you haul -- because when a load goes wrong, someone has to pay.
Learn more →General Liability Insurance
Covers your non-driving business risks -- the coverage truckers forget until they need it.
Learn more →Occupational Accident Insurance
Workers' comp for independent contractors -- covers you when you get hurt on the job.
Learn more →Physical Damage Insurance
Covers YOUR truck when it gets damaged -- collision, weather, theft, and more.
Learn more →Not sure which coverages you need?
Call us at (208) 800-0640. We'll explain what you need and why — no pressure, no upsell.
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