Commercial Auto
Primary auto liability for injury and damage from a truck accident.
Read the Commercial Auto guideWhat trucking insurance covers
Most motor carriers build a stack around auto liability and cargo, then add coverage for their yard, drivers, and equipment.
What insurance does a trucking business need?
A trucking operation typically carries Commercial Auto for primary auto liability, Cargo & Transit for the freight it hauls, General Liability for its yard and docks, and Workers Compensation for drivers. Most carriers add physical damage on their trucks and an Umbrella once shippers require higher limits.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
What almost every motor carrier carries
Cargo & Transit
Protects the freight you haul against damage, theft, and loss.
Read the Cargo & Transit guideGeneral Liability
Third-party injury and damage at your yard, terminal, or docks.
Read the General Liability guideWorkers Compensation
Covers driver injuries on the job, required in nearly every state.
Read the Workers Compensation guideRecommended
Common additions once you own equipment or haul for shippers
Physical Damage
Collision and comprehensive for your trucks and trailers.
Umbrella / Excess
Extra liability limits above your auto, GL, and employers liability.
Read the Umbrella Insurance guideSituational
Coverage tied to specific hauls, drivers, or lease terms
Non-Trucking Liability (Bobtail)
Covers your truck during off-dispatch personal use when leased on.
Occupational Accident
Medical and disability benefits for 1099 drivers outside workers comp.
Pollution Liability
Cleanup and claims from fuel spills or hazmat releases in transit.
Read the Pollution Liability guideBy segment
How the stack shifts by trucking type
Every trucking carries the core lines. Which recommended and situational lines matter depends on the operation.
CoreRecommendedSituational
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