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Need To Renew Your Insurance? Essential Trucking Insurance Coverages The following are the core policies all commercial trucking companies and owner-operators should consider Primary Auto Liability Insurance: Legally required federally and by most states. It covers bodily injury and property damage caused by your truck during its operation Physical Damage Insurance: Covers the cost to repair or replace your truck and trailer if it is damaged in an accident (Collision) or by non-collision events like fire, theft, or vandalism (Comprehensive) . Motor Truck Cargo Insurance: Protects the actual freight or goods being hauled if they are lost, damaged, or stolen while in transit. This is critical as it protects against financial losses associated with high-value goods Non-Trucking Liability (Bobtail) Insurance: Provides liability coverage for owner-operators when the truck is being used for personal, non-business-related activities (i.e., driving without a trailer or being off-dispatch) General Liability Insurance: Covers non-trucking-related incidents, such as injuries on your business premises (like your loading dock or office) or claims like libel/slander . Trailer Interchange Insurance: Required if you pull trailers that you do not own under a trailer interchange agreement with another carrier, covering damage to that non-owned trailer Workers’ Compensation/Occupational Accident Insurance: Workers' Comp is for companies with employees, while Occupational Accident provides similar benefits for independent owner-operators who are not classified as employees CALL US AT ANY TIME 630-366-3169