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Truck on Track: Protect Your Fleet with the Right Insurance

  • Writer: Nick Etter, TRIP
    Nick Etter, TRIP
  • Mar 3
  • 1 min read

Updated: Jul 30

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Whether you operate a single truck or manage a large fleet, having the right insurance coverage is essential. Your fleet is the heart of your business, but with every mile comes potential risks—accidents, cargo theft, and liability issues. Proper insurance protects your drivers, vehicles, cargo, and business from financial loss. 


Insurance Coverages for Trucking Companies – The Basics 

  • Primary Liability Insurance (Auto Liability): Covers injury or damage to others in an accident where your driver is at fault. The FMCSA mandates a minimum of $750,000 in coverage, but higher limits are recommended based on your specific risk. 
  • Physical Damage Insurance: Protects your trucks and trailers from covered losses, including collisions, theft, or natural disasters. Ensuring you have the right coverage is crucial to getting your vehicles back on the road quickly. 
  • Cargo Insurance: Covers damage or loss of transported goods due to accidents, theft, or other insured events. This is often required by shippers and clients. 
  • General Liability Insurance: Protects against non-driving-related risks, such as property damage, bodily injury at your premises, or lawsuits unrelated to truck operations. 

Additional Coverages Based on Business Needs 

  • Umbrella 

  • Pollution Liability 

  • Cyber Insurance 

  • Crime Coverage 

  • Trailer Interchange/Non-Owned Trailer Damage 

  • Non-Trucking Liability (Bobtail Insurance) 

  • Hired & Non-Owned Liability 

  • Loan/Lease Gap Coverage 

  • Business Income Protection 

  • Property & Inland Marine 

  • And many more – Highly specialized fleets come with other insurance needs  


Having the right insurance is key to keeping your business on the road. Let our trucking expert, Nick Etter, help you find the right coverage.

 




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