Source: The Hartford — Commercial Truck Insurance
The Hartford: Trucking Insurance Appetite
The Hartford will write select trucking accounts, primarily local and regional operations with company-owned vehicles and employed drivers. Their motor truck cargo program is a strength with broad commodity appetite and low minimum premiums. However, this is not a primary trucking market — long-haul, for-hire, and owner-operator models are difficult to place here. For dedicated trucking markets, direct agents to National Interstate, Great West, Canal Insurance, or Progressive's commercial auto program. The Hartford is best used as a supplement for cargo and inland marine on trucking accounts placed elsewhere.
Available Lines
| Line of Business |
|---|
| Commercial Auto |
| General Liability |
| Workers' Compensation |
| Inland Marine |
| Cargo Insurance |
Premium Range
$10,000-$50,000
Typical annual premium
Target States
48 states + DC (excludes AK, HI)
Key Features
- Commercial auto program covers dump trucks, box trucks, tow trucks, semitrucks, and tractor trailers
- Motor truck cargo coverage with broad appetite for general commodities to specialized haulers — vehicle limits up to $1M+
- Minimum cargo premiums as low as $2,500 — accessible for small fleet operators
- Rental reimbursement and towing coverage available for medium and heavy trucks
- Carrier Logistics Choice inland marine product covers goods in transit and warehouse exposure
Limitations
- Long-haul interstate for-hire carriers face significant underwriting restrictions and are often declined
- Owner-operator and leased-driver business models receive additional scrutiny
- Hazmat haulers, tanker operations, and oversize/overweight loads are excluded from the standard program
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