Commercial trucking insurance · USA
Commercial truck insurance made simple
Protecting your business. Keeping you moving.
We help owner-operators, small fleets and growing transportation companies get commercial truck insurance. Submit your information and a licensed advisor will compare multiple markets to bring you competitive options and a simpler quoting process.
Quote request
Same business day response
Request received
A licensed advisor will contact you the same business day. In a hurry? Message us on WhatsApp and we will prioritize it.
Continue on WhatsApp- Owner Operators
- New Ventures
- Fleet Operations
- Dry Van
- Reefer
- Flatbed
- Step Deck
- Hot Shot
- Box Truck
- Power Only
- Dump Truck
- Car Hauler
- Intermodal
- Tanker
The route
Four stops and you are covered
No endless forms, no paperwork marathon. You give us the details, we handle the rest.
- 01
Tell us about your operation
Fill out the form or message us on WhatsApp. Takes under two minutes.
- 02
We review your case
An advisor studies your operation and requests only the documents needed.
- 03
Your options are compared
A licensed advisor shops multiple carriers for the best combination of coverage and price.
- 04
You choose and get covered
We send personalized proposals. You pick one, complete payment and receive your policy and certificates.
Coverage catalog
Everything your truck needs
Straight answers on what each policy actually does, who needs it and what it protects.
Commercial Auto Liability
Primary required coverage The primary insurance required for most motor carriers. It responds when your driver is legally responsible for bodily injury or property damage to another party. Who needs it Owner-operators, private carriers, for-hire carriers and fleets View details PD 02/10Physical Damage
Damage to your own unit Covers direct physical loss to your own truck: collision, theft, vandalism, fire and weather-related damage. Who needs it Financed trucks, leased equipment and owners protecting valuable assets View details MTC 03/10Motor Truck Cargo
Freight protection Covers cargo while in transit against theft, collision, overturn, fire and other covered causes. Who needs it Any carrier hauling customer cargo View details GL 04/10General Liability
Beyond the truck Responds to third-party bodily injury and property damage arising outside of vehicle operation. Who needs it Carriers with offices, warehouses or customer interactions View details TI 05/10Trailer Interchange
Non-owned trailers Covers physical damage to non-owned trailers while under your responsibility through an interchange agreement. Who needs it Motor carriers using interchange agreements View details OCC 06/10Occupational Accident
For independent contractors Covers medical expenses, accidental death, disability and rehabilitation benefits after a work-related accident. Who needs it Independent owner-operators View details BOB 07/10Bobtail Insurance
Driving without a trailer Liability coverage while operating the tractor without a trailer for work-related purposes. Who needs it Owner-operators under contract with a motor carrier View details NTL 08/10Non-Trucking Liability
Personal use Protects personal use of a commercial truck outside of business operations. Who needs it Drivers using the unit outside business operations View details UMB 09/10Umbrella / Excess Liability
Higher limits Extends liability limits above your underlying policies to protect against catastrophic claims. Who needs it Fleets and carriers with contracts requiring higher limits View details WC 10/10Workers' Compensation
Employee benefits Provides medical treatment, lost wages and rehabilitation for work-related injuries where required. Who needs it Companies with drivers or staff on payroll View detailsWhy work with us
A team that actually answers
Keep these handy
Documents we may request
You don't need all of it to start. Your name and phone gets things moving; we request the rest over WhatsApp.
- USDOT Number
- MC Number (if applicable)
- Driver's License or CDL
- VIN for each unit
- Vehicle registration
- Current policy (if available)
- Loss Runs (claims history)
- List of drivers
- Vehicle Schedule
- Business information
- 01
Competitive quotes
Your request is not tied to one carrier. We put several of them to compete for your business.
- 02
Multiple markets
Access to companies that write new ventures, specialized cargo and harder profiles.
- 03
Personalized service
One assigned advisor who knows your operation, not a different call center every time.
- 04
Fast response
Preliminary quotes the same business day in most cases.
- 05
Experienced advisors
People who understand USDOT, MC numbers, operating radius and loss runs, and explain it plainly.
Operations we insure
If it rolls and works, we quote it
From your first truck to a nationwide fleet. Every operation carries its own risk profile and its own set of markets.
- EXIT 01 Owner Operators
- EXIT 02 New Ventures
- EXIT 03 Fleet Operations
- EXIT 04 Dry Van
- EXIT 05 Reefer
- EXIT 06 Flatbed
- EXIT 07 Step Deck
- EXIT 08 Hot Shot
- EXIT 09 Box Truck
- EXIT 10 Power Only
- EXIT 11 Dump Truck
- EXIT 12 Car Hauler
- EXIT 13 Intermodal
- EXIT 14 Tanker
Don't see your operation?
Message us, we quote that tooFrequently asked questions
What everyone asks
01 How much does commercial truck insurance cost?
It depends on several factors, including the type of operation, the cargo you haul, the number and value of your trucks, your driving history, years in business, operating radius, and the coverage limits you select.
Every trucking business is unique, which is why your request is reviewed by a licensed advisor who compares multiple insurance markets to find the best combination of coverage and price. Contact us for a free, no-obligation quote tailored to your operation.
02 What documents are required?
To provide an accurate quote, we may request some or all of the following: USDOT Number, MC Number (if applicable), Driver's License or CDL, VIN, vehicle registration, current insurance policy (if available), loss runs, list of drivers, vehicle schedule and business information.
The required documents may vary depending on your operation and the insurance carrier.
03 Can I insure a new venture?
Yes. We work with insurance companies that offer coverage for new trucking businesses and first-time owner-operators.
New ventures may have fewer options and higher premiums due to limited operating history, but our advisors will help you find the most suitable coverage and guide you through the underwriting process.
04 How long does the quote process take?
In many cases we can provide preliminary quotes the same business day after receiving all the required information.
More complex operations, larger fleets or specialized cargo may require additional underwriting review, which can take one to three business days depending on the carrier.
05 How do I report a claim?
If you are involved in an accident or experience a covered loss: 1) Ensure everyone is safe and contact emergency services if necessary. 2) Report the accident to local authorities when required. 3) Take photographs of the vehicles, cargo and accident scene. 4) Gather information from all parties involved. 5) Contact your insurance carrier or our claims support team as soon as possible. 6) Provide all requested documentation to help process your claim quickly.
Our team is available to assist you throughout the claims process.
06 Can I finance my premium?
Yes. Many insurance companies and premium finance providers offer flexible payment options that let you spread the cost over monthly installments.
Available plans, down payment requirements and financing terms vary by carrier and underwriting approval. Your advisor will explain all available options before you purchase your policy.
07 Can I add vehicles after my policy starts?
Yes. Most policies allow you to add or remove vehicles during the policy term through an endorsement.
Just contact us with the vehicle information, including VIN, year, make and model. We process the request with your carrier and provide updated documents once the endorsement is issued. Note that adding a vehicle may change your premium.
Free quote, no obligation
Leave us your details or message us directly on WhatsApp. A licensed advisor will reach out the same business day.