Coverage for trucking businesses of any size
Trucking insurance matched to how you actually run.
Whether you run one truck or a growing fleet, compare coverage for your vehicles, drivers, and cargo through one streamlined application.
Compare coverageExplore coverage and quote preparationFig. 01: Trucking insurance
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Coverage options for owner-operators and fleets
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Compare liability, cargo, and physical damage options
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Support from a licensed trucking insurance specialist
Your operation
Start with the work you do.
Trucking insurance describes coverage built around how a trucking business actually operates: the vehicles it runs, the freight it carries, and the authority it operates under. Compare the specific coverages inside a policy instead of relying on a general product label.
Independent and owner-operator work
Whether you run under your own authority or lease to a carrier, bring your authority or lease details so liability, cargo, and physical damage questions can be reviewed against your actual arrangement.
Fleet and multi-truck operations
For more than one truck, prepare a vehicle and driver schedule. Coverage should reflect the full fleet, not just a single representative unit.
Coverage to compare
Know what each part protects.
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Liability
Responds to covered claims against your business from vehicle use. Confirm the named insured, drivers, and operating territory.
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Cargo
Matched to the commodities and maximum load value in your operation, including any sublimits for specific freight.
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Physical damage
Protects your trucks and trailers. Review valuation, deductibles, and treatment of attached equipment.
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Trailer interchange and non-owned equipment
Relevant if you use trailers you do not own. Confirm the agreement requirements and what the policy covers while a trailer is attached, detached, or in transfer.
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.
- Fleet size, vehicle types, and garaging locations.
- Routes, commodities, and annual mileage.
- Driver history, chosen limits, and deductibles.
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.
- Authority or lease details and intended start date.
- Vehicle and trailer schedule with VINs and values.
- Driver list and prior insurance or loss history.
- Commodities, routes, and any shipper or lease 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.
How is trucking insurance different from a personal auto policy?
Commercial trucking involves business use, higher exposure, and often specific federal or state filing requirements. Ask the insurer to confirm the operation, drivers, and vehicles are actually within the described commercial policy.
How should I compare trucking insurance quotes?
Keep the same equipment, drivers, freight, routes, limits, and deductibles across each submission, then compare exclusions, fees, and total policy-period cost rather than a single premium figure.
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.
Compare the coverages inside a commercial truck policy.
Owner-operator truck insuranceReview coverage under your own authority or a lease.
Fleet truck insurancePrepare a submission for multiple trucks and drivers.
Coverage availability, limits, and pricing vary by carrier and underwriting eligibility.