Essential Commercial Trucking Insurance Coverages
Trucking businesses require a variety of insurance protections to meet state and federal requirements while safeguarding your fleet, cargo, and liability exposures.
Key trucking insurance policies include:
- Commercial Auto Liability Insurance
Required in all 50 states, this coverage protects you if your driver causes bodily injury or property damage while operating a commercial vehicle.
- Physical Damage Insurance
Helps cover repairs to your trucks after collisions, vandalism, weather events, animal impact, or damage from road debris.
- Motor Truck Cargo Insurance
Covers cargo that is stolen, damaged, or destroyed while in your care, custody, or control.
- General Liability Insurance
Protects your business from liability claims that occur on your premises or from non-driving business operations.
- Umbrella Liability Insurance
Provides an additional layer of liability protection above the limits of your auto, general liability, and other policies.
- Trucker Pollution Liability Insurance
Helps cover cleanup costs, property damage, and legal fees if a trucking accident results in pollution or environmental contamination.
You may need just a few of these coverages—or all of them—depending on your fleet size, cargo, and operational risks. Working with an experienced trucking insurance agency ensures you get the right protection without unnecessary add-ons.
