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    The Complete Guide to Commercial Trucking Insurance

    By Luis F. LaguadoFeb 28, 20267 min read
    The Complete Guide to Commercial Trucking Insurance

    Running a trucking business requires specialized insurance coverage. Here's your complete guide:


    Required Coverages:

  1. Primary Liability (minimum $750,000 for interstate)
  2. Cargo Insurance
  3. Physical Damage
  4. Bobtail/Non-Trucking Liability

  5. Optional but Recommended:

  6. Motor Truck Cargo
  7. Trailer Interchange
  8. Occupational Accident
  9. General Liability

  10. Factors That Affect Your Rates:

  11. Driving experience and record
  12. Type of cargo hauled
  13. Operating radius
  14. Number of power units
  15. Claims history

  16. How to Save:

  17. Implement safety programs
  18. Use ELD/telematics
  19. Maintain good CSA scores
  20. Work with a specialist agent who understands trucking insurance and related commercial auto insurance coverage

  21. If your operation also runs warehouses, offices or non-trucking exposures, you may want to review broader business insurance options. Ready to compare? Request a trucking quote.

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