Commercial Trucking Insurance

Each state's department of transportation (DOT) requires drivers to buy a personal auto insurance policy for their vehicle, and most states require commercial auto insurance for company-owned vehicles.

However these insurance product’s coverage doesn’t cross over. Your personal car insurance policy won't cover an accident while on the job, and a commercial truck insurance policy won't apply to incidents during personal use.

Additionally, going without auto liability coverage can result in state penalties, as well as a possible loss of driving privileges. And a lack of comprehensive auto coverage also leaves your business vulnerable to tremendous financial losses if you’re involved in an accident.

If you or your company regularly uses rented or non-owned trucks, hired and non-owned auto (HNOA) insurance would protect your business. It would also cover a full-time employee driving their own truck for a work errand.

If a truck driver has just delivered their haul, this coverage would ensure they're protected while the truck is not being used for trucking purposes, such as driving home.

This policy is also known as bobtail liability insurance or a non-trucking use endorsement on a business auto policy (BAP).

BAP coverage includes auto liability insurance and auto physical damage, with the option to include additional coverage. It can cover commercial vehicles that the business owns or leases, as well as employee-owned vehicles used for business purposes.

To fully protect your trucking business, we strongly recommend considering the following coverages:

Cyber insurance, also called cybersecurity insurance, insures against the high cost of a data breach or a malicious software attack. It covers the cost of customer notification, credit monitoring, legal fees, and fines.

Commercial inland marine insurance protects business property in transit, which is typically excluded from commercial property insurance.

Trailer interchange coverage provides physical damage insurance for trailers being pulled under a trailer interchange agreement and will protect you if the trailer is damaged by collision, fire, theft, explosion, or vandalism.

Motor truck cargo insurance, otherwise known as cargo insurance, provides coverage on the freight hauled by your trucking business. It covers your liability for cargo that's lost or damaged due to causes like fire, collision, or striking of a load.

A mobile equipment endorsement extends your auto insurance coverage to include “non-auto” mobile equipment, such as a tractor or forklift, while it’s driven on a public road.

Surety bonds guarantee your customer will receive financial reimbursement if your business fails to fulfill the terms of a contract. They also help small businesses obtain necessary licenses and permits.