Trucking & Transportation Insurance
Most trucking companies need commercial auto and general liability. What you pay depends on your revenue, payroll, location and claims history.
Compare business insurance options
Recommended Coverages
Commercial Auto
essentialLiability, physical damage, medical payments, and uninsured motorist coverage for vehicles used in business operations. Common claims include vehicle accident causing injury/death. Agent note: Commercial auto is the dominant coverage — minimum $750K liability required for interstate, $1M+ for hazmat
$1M combined single limit is standard; $500K minimum for most commercial operations
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. Common claims include vehicle accident causing injury/death.
$1M per occurrence / $2M aggregate
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. Common claims include vehicle accident causing injury/death.
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Cargo Insurance
recommendedCovers goods and freight in transit against loss, damage, or theft — essential for Trucking & Transportation businesses transporting valuable cargo. Key exposure: cargo damage/loss risk. Common claims include cargo damage during transit.
Varies by carrier and state
Physical Damage
situationalCovers damage to owned vehicles and equipment from collisions, theft, vandalism, and weather events.
Varies by carrier and state
Umbrella
situationalAdditional liability limits above underlying GL, auto, and employers liability policies. For Trucking & Transportation businesses, key exposures include high auto liability exposure.
$1M - $10M increments above underlying policies
Risk Profile
Physical
Liability
Professional
Property
Top Risks
- High auto liability exposure
- Cargo damage/loss risk
- Driver fatigue
- DOT compliance
- Multi-state operations
Carriers That Write Trucking & Transportation
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
Insureon's figures for its trucking businesses customers (median monthly premium): . Source: Insureon
Key Pricing Factors
- Fleet size and vehicle types
- Annual mileage
- Radius of operations
- Cargo types hauled
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our trucking & transportation insurance cost page.