Trucking Insurance
Truck Insurance Built for Owner-Operators, Fleets, and Independent Contractors
The Road to Success
Trucking insurance is a specialized type of commercial vehicle coverage designed to protect trucking businesses, owner-operators, and their assets against the unique risks of the road. This insurance encompasses a variety of coverages, such as liability for bodily injury and property damage, cargo insurance, physical damage coverage for trucks, and non-trucking liability. Key considerations when applying include the nature of goods transported, the range of operations (local, regional, or national), and the value of the trucks and equipment. It's crucial to assess the specific risks associated with your trucking operations to ensure you have comprehensive protection, from accidents and theft to environmental damage and regulatory compliance issues.
Comprehensive Coverage for the Long Haul
We understand the complexities of the trucking industry and offer tailored insurance solutions to keep your operations running smoothly, no matter what the road ahead brings. Consider a scenario where one of your trucks is involved in an accident, causing damage to the vehicle and the cargo it's carrying. With the right trucking insurance in place, not only could the costs of repairs or replacement for the truck be covered, but compensation for the lost or damaged cargo could also be provided, minimizing financial losses and downtime. Our team can guide you through the selection of coverages that match your specific needs, helping you understand policy details, including deductible options, limits, and exclusions. We also explore potential discounts for safe driving records or fleet management programs. Our goal is to provide you with a customized insurance plan that offers peace of mind, protecting your assets, and supporting your business growth.
Frequently Asked Questions
What does truck insurance cover?
Homeowners insurance coverage typically includes protection for the structure of your home, personal property, medical payments to others, and liability. At Dorsey & Associates LLC, we provide customized property insurance options that fit your home and lifestyle. Whether it's damage to your home from fire, storm, or theft—or liability protection for injuries on your property—we help ensure you’re fully covered.
What types of trucks are eligible for coverage?
We insure a wide range of commercial vehicles, including:
- Box trucks, like delivery and straight trucks
- Tow trucks
- Dump trucks
- Semi-trucks
- Trucks leased to a motor carrier
- Fleets or ower-operators with independent authority
Policies can be tailored to your trucking business, from single-unit operators to large trucking companies.
How much does box truck insurance cost?
Box truck insurance cost varies depending on the type of business, location, driving history, and coverage limits. On average, small operators can expect to pay anywhere from $3,000 to $10,000 annually per truck. A customized box truck insurance quote can give you a clearer estimate based on your specific needs and types of commercial vehicle used.
What's included in box truck insurance coverage?
A commercial box truck insurance policy typically includes:
- Liability coverage (required by law)
- Physical damage (collision and comprehensive)
- Cargo coverage (protects what's being transported)
- Optional general liability if you operate on client property
These elements form your complete box truck insurance coverage.
How does tow truck insurance work?
Tow truck insurance must account for unique risks such as damaged vehicle transport and roadside liability. It often includes garagekeepers legal liability, on-hook towing, and broader trucking liability insurance to manage high-stakes claims.
What is total trucking insurance?
Total trucking insurance refers to an all-inclusive package that covers every aspect of your business—vehicles, cargo, drivers, liability, and more. It’s ideal for owner operators who need full-spectrum protection to maintain contracts and ensure operational stability.
What is OOIDA truck insurance?
OOIDA truck insurance is offered through the Owner-Operator Independent Drivers Association. While popular for independent drivers, many find better customization and service with brokers who specialize in matching policies to specific risks, such as truck insurance exchange platforms that offer competitive comparisons.
Do I need additional coverage for leased trucks?
Yes. Trucks leased to a motor carrier may require non-trucking liability (bobtail) insurance, depending on contract terms. This protects your rig when it’s not under dispatch. Always check with your truck insurance company or leasing carrier for compliance requirements.
Why work with a broker for commercial truck insurance?
Brokers help match your business with insurers that understand your operational model—whether you’re running a fleet or just getting started. From filing claims to finding lower truck insurance cost options, they help streamline everything while maintaining peace of mind.
