Commercial coverage for semi trucks

Semi-truck insurance without the paperwork maze.

Use your USDOT number to compare commercial auto, cargo, and physical damage options for your semi-truck operation.

Compare coverage Explore coverage and quote preparation

Fig. 01: Semi-truck insurance

One application built around your USDOT number

Options for liability, cargo, and physical damage

Review limits, deductibles, and exclusions

Your operation

Start with the work you do.

Semi-truck insurance should reflect how the tractor earns its miles. Regional runs, long-haul work, team driving, and leased-on operations need different information in the submission. Separate protection for claims against the business from protection for the truck itself.

Daily routes and drivers

Describe typical lanes, the furthest destinations, overnight parking, and every driver. Explain occasional work as well as the runs you make most often.

Financed equipment

Bring the lender's insurance conditions and current equipment details. Review the valuation method and deductible before assuming a loss payment will settle the loan.

Coverage to compare

Know what each part protects.

Auto liability

Confirm protection for the actual trucking operation, including required limits, named parties, and filings where applicable.

Collision and non-collision damage

Compare how the truck is protected from accidents, theft, and other covered causes. Check attached equipment, deductibles, and loss settlement terms.

Cargo and trailers

Review freight and trailer responsibilities separately from the tractor, particularly when trailers belong to someone else.

Downtime options

Ask whether rental or downtime benefits are offered, what triggers them, and what limits or waiting periods apply. Do not assume ordinary vehicle damage coverage replaces lost income.

This is general buying guidance. Available coverage depends on the insurer, your operation, and underwriting. The issued policy and endorsements determine what is covered.

Understanding cost

What shapes your quote.

Truck value and equipment, routes, mileage, and garaging.
Driver experience, insurance history, and prior losses.
Coverage selection, deductibles, and authority or lease arrangements.

Compare equivalent limits, deductibles, and operations before choosing on price. Your quote should explain both the cost and the coverage it buys.

Quote preparation

Have these details ready.

Tractor VIN, value, equipment, and lender information.
Driver list, routes, authority or lease details, and prior insurance.
Cargo, trailer agreements, and customer requirements.

Start with the short form below. These details help with the follow-up review; you do not need to enter them all to get in touch.

Common questions

Before you choose a policy.

Will physical damage pay what I owe on the truck?

That is not established by the loan balance. Ask the insurer to explain the proposed valuation basis, deductible, and any limits, then compare those terms with your finance agreement.

Can I use the same submission for several quotes?

Yes. Keep the equipment, drivers, routes, freight, limits, and deductibles consistent, and document any differences between offers so price comparisons are meaningful.

Get Started

Get your quotes. It starts with a USDOT number.

Tell us about your operation so our team can review your insurance needs and help you compare available options.

Coverage options for your operation
Help reviewing your insurance requirements
A quote request, with no obligation to buy

Next step

A review of your operation

Prefer to talk it through? 1-844-912-COVER

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