Coverage for tractor-trailer operations
Tractor-trailer insurance built around your operation.
Compare coverage for tractors, trailers, drivers, and cargo through one application built around your USDOT number.
Compare coverageExplore coverage and quote preparationFig. 01: Tractor-trailer insurance
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Coverage options for tractors and attached trailers
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Review owned and non-owned trailer exposures
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Guidance from a commercial trucking specialist
Your operation
Start with the work you do.
A tractor-trailer operation combines several assets and responsibilities in one trip. Keep the tractor, trailer, and freight separate in the insurance discussion, especially when the trailer belongs to a customer or another carrier.
Your tractor and your trailer
Prepare values and ownership details for both units. Confirm that the proposed schedule, deductibles, and valuation basis reflect each piece of equipment.
Drop-and-hook or interchange work
Bring written agreements and describe where trailers are left. Ask about responsibility while a trailer is attached, detached, stored, or being transferred to another carrier.
Coverage to compare
Know what each part protects.
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Auto liability
Review the insured operation, drivers, territory, contract limits, and any filing needs.
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Owned equipment damage
Compare physical damage for the tractor and scheduled trailers, including attached equipment and deductibles.
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Trailer interchange
This addresses damage to non-owned trailers under an interchange arrangement. Confirm the agreement requirements, limit, deductible, and circumstances covered by the offered policy.
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Freight
The trailer and its contents are separate exposures. Compare cargo protection against your commodities and maximum load value.
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.
- Number, type, and value of tractors and trailers.
- Routes, freight, driver experience, and loss history.
- Owned versus non-owned equipment obligations and selected limits.
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.
- Separate tractor and trailer schedules with VINs and values.
- Driver, route, commodity, and prior insurance information.
- Lease, interchange, and shipper insurance 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.
Does insuring the tractor automatically insure every trailer?
Do not assume it does. Ask which liability provisions and physical-damage coverages apply to owned, borrowed, and interchanged trailers. Have the insurer check the actual equipment arrangements.
Is trailer interchange the same as cargo insurance?
No. The trailer is equipment; the freight is its contents. Review the coverage for each and confirm who is responsible under your contracts.
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
Keep exploring
Related coverage questions.
Focus on tractor use and vehicle protection.
Motor truck cargo insuranceReview the freight carried inside or on the trailer.
Flatbed truck insuranceCheck open-deck hauling exposures.
Coverage availability, limits, and pricing vary by carrier and underwriting eligibility.