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Commercial Truck Insurance

There are many types of trucks, let us help you find the coverage right for you and your trucking business.

Owner Operator

Motor Carriers

Private Carriers

Are state and federal filings required?

Commercial truck filings, also called financial proof of responsibility, prove that you have enough Liability insurance to meet minimum Federal and state requirements.

Federal filings are needed for trucking businesses that engage in:

Interstate trucking
Hauling hazardous cargo (placard)*
For-hire trucking (common, contract)
For-hire passenger transportation*

Federal filings are not required for businesses that never cross the state line or engage intrastate trucking.

Sectors that do not require federal or state filings

The following are considered unregulated trucking sectors that do not require a federal or state registration.

Private carriers hauling their own goods, such as manufacturers, farming and retail operations
Owner operators hauling under someone else’s authority, such as a truck owner leased on to a motor carrier

Other filings and certificates of insurance (COI)

Other reasons besides trucking authority might require a business to submit proof of insurance. For example, drivers with probationary licenses or owners of oversized vehicles may need a non-trucking filing or a certificate of insurance (COI).

Truck Insurance Cost

Monthly cost for new policies depends on type of business, driving records and both primary liability and physical damage coverages needed to protect your business. Rates depend on various rating factors, including:

USDOT authority
Coverage requirements
Cargo
Operating Radius
Vehicle type
Driving history
Location

Questions to be prepared to discuss with your insurance agent:

How your business needs drivers and vehicles to operate?
How much drivers are on the road?
What types of cars, trucks, or other vehicles do you use?
Are the vehicles owned or leased (age, quality, type will be needed)?
Do any employees use personal vehicles to run business errands, travel to job sites, etc.?
Are company vehicles used for personal use?

Tips for talking with your agent:

Be prepared to talk about everyone who drives for your business, both on a regular basis or “as needed”.
Document the vehicles you use – the types of vehicles, whether you own or lease them, their condition, etc.
Let your agent help you brainstorm other possible ways driving might be involved in your business, in case there’s something you haven’t thought of.

Contact us and let our trained agents help you with your Commercial Truck Insurance needs.

Commercial Truck Insurance FAQs

Does a personal auto policy cover a person vehicle being used on company time for business purposes?

It’s not designed for the type of risks you and your employees can face. In fact, most personal auto policies contain an exclusion for business use. Commercial auto insurance can cover business-owned vehicles, like fleets of vehicles or trucks, and even your own car, as well as those you rent, lease, or borrow. It can also help when employees use their personal vehicles for business. A personal auto policy provides coverage for personally owned vehicles that are operated by individuals or family members for personal use.

Is there a difference between a fleet and non-fleet commercial auto policy?

A fleet is defined as five or more self-propelled autos under one ownership and used for business purposes. A policy with less than five self-propelled autos is considered a non-fleet policy.

What is bobtail truck insurance?

Bobtail truck insurance is a coverage that protects your truck when it’s being driven without a trailer for a business purpose, like a trucker returning to their depot after dropping off a trailer.