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Required by law for all trucking operations, this covers bodily injury and property damage you may cause while operating a commercial vehicle. It's the foundation of your trucking insurance program and required for FMCSA filings.

Protects perishable cargo transported in refrigerated trailers if the cooling unit fails. Essential for food haulers and frozen goods carriers.

Protects the freight you’re hauling in case it’s damaged, lost, or stolen. Whether it’s electronics, building materials, or produce—this policy helps ensure your cargo (and reputation) are protected.

Covers repair or replacement costs for your truck and trailer if they’re damaged by collision, theft, fire, or vandalism. A must for owner-operators and fleet owners looking to protect their investment.

Covers your truck when it’s being used for personal use outside of business operations—important for leased owner-operators when not under dispatch.

Protects trailers that you don’t own but are pulling under a trailer interchange agreement. Covers damage to the trailer while in your possession, including collision and theft.

Covers non-driving-related risks such as slip-and-falls at your business location, delivery-related property damage, or third-party injuries at a loading dock.

Required in many states if you have employees—this covers medical expenses and wage replacement for work-related injuries, including lifting, falls, or accidents.

An alternative to workers’ comp for independent contractors. Covers accidental death, disability, and medical costs for work-related injuries—often required by motor carriers who hire owner-operators.

Covers your truck when operating without a trailer, especially when driving between jobs or after a load has been delivered. Often confused with non-trucking liability but serves a different purpose.

Adds an extra layer of liability protection over your primary auto, cargo, and general liability policies. Helps safeguard your assets in case of large claims or lawsuits.

We assist with mandatory filings to keep you in compliance with DOT, FMCSA, and state regulations. We ensure your insurance policies meet all the required legal standards for your authority.