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Commercial Truck Insurance

Trucking insurance for owner-operators & fleets

Quotes from carriers that specialize in trucking — owner-operators and fleets welcome.

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What's included

  • Primary liability & physical damage
  • Motor truck cargo coverage
  • Owner-operator and fleet policies
  • FMCSA filings (BMC-91, MCS-90)
$2,400
Average customer savings

What's included

Everything you need from commercial truck coverage

Primary liability & physical damage

Motor truck cargo coverage

Owner-operator and fleet policies

FMCSA filings (BMC-91, MCS-90)

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Share a few quick details about your commercial truck coverage needs. Under 2 minutes.

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Commercial truck insurance is one of the most complex and expensive types of commercial coverage — and one where shopping your rates can save thousands of dollars per year. Whether you're an owner-operator running under your own authority, a leased operator under a carrier's authority, or a fleet owner, the right trucking insurance program is critical to keeping your business on the road and compliant with federal and state regulations.

Types of Commercial Truck Insurance Coverage

Primary liability is the foundational coverage required by the FMCSA for interstate trucking operations. It covers bodily injury and property damage you cause to others and is required at minimum limits of $750,000 for general freight and $1,000,000 for hazardous materials. Physical damage coverage (collision and comprehensive) protects your truck and trailer against damage from accidents, theft, fire, and other perils. Motor truck cargo coverage protects the freight you're hauling against damage, theft, or loss. Non-trucking liability (bobtail insurance) covers you when you're driving your truck for personal use or when not under dispatch. Trailer interchange coverage protects non-owned trailers you've accepted under a trailer interchange agreement.

FMCSA Requirements for Trucking Authority

If you operate under your own motor carrier authority (MC number), the Federal Motor Carrier Safety Administration (FMCSA) requires you to maintain minimum liability coverage and file proof of insurance using Form BMC-91 (for liability) or BMC-34 (for cargo). Your carrier will file these forms electronically with the FMCSA. Operating without proper filings can result in your authority being revoked. We work with carriers experienced in FMCSA filings and can ensure your compliance documentation is in order.

Owner-Operator vs. Leased Operator Insurance

The insurance you need depends significantly on how you operate. Owner-operators running under their own authority need the full suite of coverages — primary liability, physical damage, cargo, and FMCSA filings. Owner-operators leased to a motor carrier are typically covered by the carrier's primary liability while under dispatch, but need non-trucking liability for personal use and should have their own physical damage coverage. Lease agreements vary — read yours carefully and make sure you understand exactly what your carrier's insurance covers and what gaps you need to fill.

How to Lower Your Trucking Insurance Premium

Trucking insurance is expensive, but there are ways to manage costs. Maintaining a clean MVR (motor vehicle record) and CSA score is the single most important factor. Choosing higher deductibles on physical damage coverage can significantly reduce premiums. Installing ELDs, dashcams, and GPS tracking demonstrates safety and may qualify you for discounts. Building a clean loss run history over time will help you access better markets and rates. Working with a specialist broker who knows the trucking market is essential — generalist agents often place trucking business in suboptimal markets.

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