Commercial Trucking Insurance
Protecting the Drivers, Trucks, and Cargo that Keep America Moving
Work with our team at Liberty when you need guidance from experts who understand the unique risks involved with trucking.
We make sure to plug the gaps in your business coverage.
Who Needs Trucking Insurance?
Commercial trucking insurance is a necessity for individuals or companies that own and operate trucks for commercial purposes. Commercial trucking insurance is crucial for any business or individual that relies on transportation to conduct their operations, whether they are transporting goods, equipment, or people.
Why Do I Need Trucking Insurance?
First, it is required by law in most states and is necessary to protect businesses and individuals from financial loss in the event of an accident, theft, or damage to their vehicles.
In addition to being legally required in most states, commercial trucking insurance protects against significant financial losses that can result from accidents, cargo damage or theft, and other events. Without proper insurance, businesses and individuals who rely on commercial trucks may face severe financial consequences that can impact their operations, livelihoods, and reputation.
Types of Trucking Insurance Coverages
Commercial Trucking Liability
Covers damages or injuries caused to other parties in accidents where the commercial truck driver is at fault.
Physical Damage
Covers the cost of repairs or replacement of a truck damaged in an accident or due to other incidents such as theft, fire, or vandalism.
Specialty Trucking
Provides coverage for specific types of trucks, cargo, or risks that are not covered by standard commercial trucking insurance policies.
Workers' Compensation
Provides financial and medical benefits to employees who suffer work-related injuries or illnesses, covering medical expenses and lost wages while protecting employers from potential lawsuits related to workplace injuries.
General Liability
Offers businesses protection against third-party claims for bodily injury, property damage, and other related liabilities, helping cover legal expenses and potential settlements.
Motor Truck Cargo
Covers the cost of lost or damaged cargo being transported by the insured commercial truck or other vehicles.
Long Haul Trucking
Covers vehicles and drivers that transport goods over long distances and across state lines.
Excess Liability
Provides additional coverage beyond the limits of primary insurance policies, offering financial protection against catastrophic losses.
What Coverage Options are Right for You or Your Business?
At Liberty, our team of experts can help you find the right coverage at the right price for your business.
How Does Trucking Insurance Work?
Review Your Needs
We cover every detail of your operation to make certain that you’re properly covered. This is the easiest way to avoid gaps in your business coverage.
Obtain Quotes From Our Partner Carriers
We have access to every carrier in the industry, allowing us to market your policy for the best price and level of coverage.
Learn About Policy Options
We’ll help you balance price and coverage while reviewing every quote we’ve received. Because we have existing relationships with commercial carriers, we know how to pinpoint the best policy for you.
Get Covered Right Away
We can close the deal quickly, bind coverage, and make sure that you are protected.
With diverse clients come diverse needs.
Working with our team at Liberty, you get the chance to:
- Review insurance coverages you should purchase
- Assess liabilities your business faces
- Look into coverages that may not be required given your business model
- Save money on every policy
- Track claims
- Receive claims support from industry experts
Frequently Asked Questions About Trucking Insurance
What types of coverage do I need for my commercial trucking business?
The types of coverage you need for your commercial trucking business depend on the specific needs and risks of your operations. You may need specialized coverage for specific risks, such as pollution liability or refrigeration breakdown. It is important to work with an experienced insurance provider who can assess your business’s needs and help you find the right coverage for your commercial trucking operations.
How much does trucking insurance cost?
The cost of trucking insurance can vary widely depending on a variety of factors, including the size and type of the commercial truck, the cargo being transported, the distance traveled, the driving record of the driver, and the level of coverage needed. On average, the cost of commercial trucking insurance can range from a few thousand dollars to tens of thousands of dollars per year. It is important to shop around and compare quotes from multiple insurance providers to find the best coverage at a competitive price.
At Liberty, we can find you the best coverage at the best rates from the Nation’s top carriers.
Is it necessary to have cargo insurance in addition to liability insurance?
While liability insurance covers damages or injuries caused to other parties in accidents where the commercial truck driver is at fault, cargo insurance is specifically designed to protect the cargo being transported by the commercial truck. Cargo insurance is not always required by law, but it may be required by shippers or customers who want to ensure that their goods are protected during transport. Therefore, while liability insurance is mandatory, cargo insurance is often a wise investment for commercial trucking businesses to protect their own assets and reputation in case of cargo damage or loss.
How to Choose Your Insurance Broker
At Liberty, we recommend you choose our team of experts because we offer expert guidance, quotes from all the best carriers, claims support, and a host of other options that will maximize the performance of your business.
Don’t hesitate to reach out. We can answer your questions, write coverage, and close the deal so you can get back to work.