Trailers

Trailer Insurance for Work Fleets

Protect your commercial trailers—dry vans, reefers, flatbeds, lowboys, car haulers, and utility units. We place Primary Auto Liability (when attached to a covered power unit), Physical Damage for the trailer itself, Cargo options, and Trailer Interchange when you pull non-owned equipment. Fast COIs and endorsements from an agency with 13+ years of experience.

Who It’s For & What It Covers

Owner-operators, motor carriers, and businesses that own, lease, or borrow trailers. Coverage can include collision, fire, theft, vandalism, rollover, wind/hail, reefer breakdown (optional), and non-owned trailer physical damage under a written agreement.

dry vanreefer trailerflatbedlowboygooseneckutility trailer

Core Coverages for Trailers

Whether you own, lease, or interchange trailers, we tailor coverage for the equipment and the loads you move. From physical damage to cargo and non-owned trailer liability, you get protection that satisfies contracts and keeps freight moving.

Liability

Covers third-party injuries and property damage.

Physical Damage

Collision, fire, theft, vandalism, overturn losses.

Cargo

Protects freight from theft, fire, or upset.

Interchange

Non-owned trailers under a written agreement.

Trailer Types We Insure

We insure a wide range of commercial trailers. Use the tags to find consistent, brand-neutral imagery.

Dry Van

Refrigerated (Reefer)

Flatbed

Lowboy / Step Deck

Frequently
Asked Questions

Do I need to list my trailer to have liability coverage?

Liability for third-party injuries/damage typically follows the power unit while the trailer is attached. To insure the trailer itself (physical damage) you should list it or add the proper endorsement.
What’s the difference between Trailer Interchange and Non-Owned Trailer Physical Damage?

Trailer Interchange applies when a written interchange agreement is in place. Non-Owned Trailer Physical Damage covers a borrowed trailer without an interchange agreement—terms and limits differ.
Is cargo coverage included with trailer insurance?

Cargo is separate. Add Motor Truck Cargo to protect freight; choose limits, deductibles, and options like reefer breakdown for temperature-controlled loads.
How is the trailer’s value determined for claims?

Most policies use stated amount or actual cash value (market value minus depreciation). We’ll help set a realistic limit to avoid being under- or over-insured.
What documents do you need to quote and bind?

Trailer VIN/year/make/model, stated value, garaging ZIP, ownership/lease details, driver list/MVRs, operations radius, loss runs (if applicable), and required certificate holder info.
Can you issue same-day certificates and add Additional Insureds?

Yes—COIs, Additional Insured, and Waiver of Subrogation endorsements are commonly available and can be turned around quickly to meet contract deadlines.

We specialize
in commercial insurance

Call now to talk to an expert, or find
an independent agent

818 899 8000