Coverage that keeps your trucks — and your CDL — on the road
Whether you're an owner-operator or running a fleet, we connect you with commercial trucking specialists who handle DOT filings, cargo coverage, and the primary liability you need to stay compliant.
What federal & state authority requires
We make sure your coverage meets the bar — and issue the certificates and filings you need to prove it.
- $750K–$1,000,000 primary liability for most for-hire carriersRequired
- Active DOT filings (MCS-90 / BMC-91) kept continuously in forceRequired
- Motor truck cargo limits set by your brokers and shippersRequired
Licensed Trucking Operation Specialists Nationwide
A specialist who knows your state's licensing rules and can issue the certificates and filings you need.
What trucking & freight need to be covered
Trucking carries some of the highest liability exposure of any industry. One at-fault accident can mean six-figure claims, and a lapse in coverage can pull your authority. We route you to agents who live and breathe motor-carrier insurance.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for owned, hired, and non-owned autos.
Inland Marine
Covers tools, equipment, and goods while in transit or away from your primary location — beyond standard property limits.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Workers' Compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
Commercial Umbrella
Extends the limits of your underlying liability policies for large claims that could otherwise threaten the business.
Where trucking & freight get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksAt-fault highway accidents
Collisions involving a commercial truck often bring severe injury and property claims. Primary auto liability and umbrella coverage protect against catastrophic judgments.
Cargo loss or damage
Freight that's stolen, damaged, or destroyed in transit is covered by motor truck cargo (inland marine), often required by shippers and brokers.
Physical damage to your rig
Your tractor and trailer are major assets. Physical damage coverage repairs or replaces them after a covered loss.
Driver injuries
Loading, unloading, and long hauls carry injury risk. Workers' comp (or occupational accident coverage) protects your drivers.
Why trucking & freight can't skip coverage
- Federal (FMCSA) and state authority require minimum liability limits — typically $750K to $1M — and proof of continuous coverage via filings like the MCS-90.
- Brokers and shippers won't tender loads without certificates showing active auto liability and cargo coverage.
- A single lapse can revoke your operating authority and ground your business.
By the numbers
$750K–$1M
Primary liability limit required
$91K
Avg. claim, at-fault crash
15+
Carriers we compare
Trucking & Freight insurance FAQ
For-hire interstate carriers generally need primary liability of at least $750,000 (often $1M), plus DOT filings. Cargo and physical damage are typically required by contract. We match you with agents who handle the filings for you.
Get matched with a trucking operation specialist
Share a few details and a licensed agent who understands trucking & freight will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state