Coverage
Trucking insurance, explained plainly
What each type of coverage pays for, what it doesn't, and who needs it.
Core Trucking
- Commercial Auto LiabilityPays for injuries and damage your truck causes to other people.
- Physical DamagePays to repair or replace your own truck and trailer.
- Motor Truck CargoPays if the freight you haul is damaged or stolen.
- General LiabilityPays when someone is hurt at your yard or office, not by your truck.
- Non-Trucking Liability (Bobtail)Liability for leased-on owner-operators when they're off dispatch.
Specialty Coverage
- Reefer BreakdownPays for spoiled freight when your reefer unit breaks down.
- Trailer InterchangePays for damage to a trailer you pull but don't own.
- Excess / UmbrellaAdds liability limits on top of your primary policies.
- Hazmat CoverageLiability limits and pollution coverage for hauling hazardous materials.
- Garage / GaragekeepersFor repair shops and yards that work on or store other people's trucks.
Workforce
Business
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