Trucking Insurance
Anyone who manages a trucking company or who drives a truck as an owner-operator must have trucking insurance to meet state and federal requirements.
Without this protection, any damage or liability for which you are responsible may have to come out of your pocket. In addition, insurance is required to operate legally in most locations.
You should have your insurance available if you are in an accident or stopped by a law enforcement officer. It’s also mandated by lenders, whether you’re financing one rig or an entire fleet of trucks.
What Kind of Trucking Insurance Do You Need?
The type and amount of trucking insurance coverage you need varies depending on multiple factors:
- The kind and number of truck(s) you drive or own
- Where you operate your vehicle
- Mandatory filings related to your specific type of business
- The cargo you transport and its special requirements for safety
Each truck insurance policy is unique because the owner’s business model is unique. When you work with our independent insurance agents, you get coverage that’s customized for your needs to prevent gaps in coverage and work with your budget.
Types of Coverage
Truckers need various types of insurance coverages to fully protect themselves, their trucks, and their cargo.
- Primary Liability
- General Liability
- Workers' Compensation
- Uninsured/Underinsured Motorist Insurance
- Physical Damage Insurance
- Cargo Insurance
- Bobtail Insurance / Non-Trucking Liability
- Motor Truck Cargo Insurance
- Trailer Interchange Insurance
- Downtime/Rental Reimbursement
- Environmental/Hazmat Insurance
These are some of the many insurance options available for truckers. It’s crucial to assess your specific needs and risks to choose the right combination of coverages. RIGHTSURE can help navigate these options, ensuring you have comprehensive protection while on the road.