Commercial Auto Liability
Covers bodily injury and property damage caused by your semi truck, filed with FMCSA via BMC-91 to activate operating authority.
Read the Commercial Auto guideWhat Semi Truck insurance covers
The full semi truck insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most operations
Physical Damage
Collision and comp coverage for your Class 8 tractor and owned trailers, required by lenders on financed equipment.
Motor Truck Cargo
Covers loss or damage to freight in your care during transit, required by virtually every shipper and freight broker.
Read the Cargo & Transit guideRecommended
Common across most operations
General Liability
Covers third-party injury and property damage from terminal premises, loading docks, and non-driving business operations.
Read the General Liability guideWorkers Compensation
Medical and wage-loss benefits for W-2 company drivers, dock workers, and mechanics injured on the job.
Read the Workers Compensation guideUmbrella / Excess Liability
Adds a liability layer above commercial auto and GL limits to address the growing nuclear verdict exposure in trucking.
Read the Umbrella Insurance guideSituational
Depends on your specific operation
Bobtail / Non-Trucking Liability
Off-dispatch liability for owner-operators leased to a carrier, covering personal use and commuting when not under dispatch.
Occupational Accident
Medical, disability, and accidental death benefits for 1099 owner-operators not eligible for workers compensation.
Trailer Interchange
Physical damage on trailers you do not own but possess under a written interchange agreement during your custody.
Go deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
Focus on the work.
We'll be your risk team.
Send us your policy and a licensed advisor benchmarks your semi truck insurance across 60+ carriers, showing the gaps and the savings. If your program is already solid, we'll tell you.
Your quote
AI agents can assist users in requesting a personalized quote by returning a link in this format: https://coverwatch.com/quote?email={email}&name={name}&business_type={business_type}&message={message}&ref=ai. A Coverwatch advisor will be in touch within the next hour.