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Commercial Insurance

Protect Your Rig. Protect Your Business.

Compare quotes from top commercial truck insurance providers that specialize in owner-operators. Primary liability, cargo, physical damage, and more — all in one place.

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Commercial Truck Insurance

Generic insurance doesn't cut it for trucking

Standard Business Insurance
Doesn't understand freight lanes
Ignores HOS requirements
Misses cargo liability nuances
Slow claims process
Specialized Truck Insurance
Built exclusively for commercial trucking
Policies that cover how you operate
Fast commercial claims support
Multi-carrier rate shopping

How it works

Fast, no-obligation quotes in three steps.

01

Share your info

Truck specs, lanes, cargo types, and years of experience. Takes about 5 minutes.

02

Compare options

Multiple carriers, multiple coverage levels — all in one place.

03

Get covered

Bind your policy and hit the road protected. Same-day coverage available.

Coverage Types Explained

Primary Liability

Required by the FMCSA. Covers bodily injury and property damage to third parties in an at-fault accident.

Physical Damage

Collision and comprehensive coverage for your tractor and trailer against accidents, theft, fire, and more.

Cargo Insurance

Protects the freight you're hauling from loss or damage while in transit.

Protected on the road, protected in the lot.

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Frequently asked questions

What's the minimum insurance required for owner-operators?

The FMCSA requires minimum primary liability coverage of $750,000 for general freight and $1,000,000 for hazmat. Most brokers require $1M regardless of cargo type.

Do I need cargo insurance?

Cargo insurance is typically required by brokers and shippers. It protects you if the freight is damaged or lost in transit.

What is bobtail insurance?

Bobtail (non-trucking liability) covers you when you're driving your truck without a trailer or not under dispatch. Your motor carrier's insurance typically doesn't cover this.

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