Truck

Semi-truck insurance — built around your routes

As an independent insurance agency, we place semi-truck coverage with top-rated carriers across the U.S. Whether you run power-only OTR or a regional fleet, we tailor limits, endorsements, and filings so you’re compliant, contract-ready, and protected mile after mile.

We move fast on quotes, endorsements, and certificates — so loads don’t wait.

Operations We Cover

Dry VanReeferFlatbed / Step DeckPower-OnlyCar HaulersOversize / Heavy HaulTeam / Expedited

Semi-truck coverage is a set of protections shaped around your routes and contracts: Primary Auto Liability, Physical Damage, and Motor Truck Cargo, with options like Trailer Interchange, Bobtail/NTL, Hired & Non-Owned Auto, General Liability, and UM/UIM. We coordinate required BMC-91X / MCS-90 filings.

Understanding the need for coverage

Carriers price semi-truck policies using a few consistent benchmarks. Knowing these ahead of time speeds up quoting and puts you in a stronger position. Here are the touchpoints we prep with every account.

3 years

Common MVR and accident-history lookback per driver; clean records expand market options and improve terms.

5 years

Loss runs typically requested for established entities. We help retrieve, review, and present them to carriers.

2+ years

CDL tenure that often improves pricing. New authorities are still insurable with a solid safety plan.

$2.5K–$5K

Typical Physical Damage deductibles chosen to balance premium cost with out-of-pocket exposure.

Frequently
Asked Questions

What coverages do I need to run under my own authority?

At minimum: Primary Auto Liability (with FMCSA filings), Motor Truck Cargo, and usually Physical Damage for financed units. Add General Liability for premises/yard work and Trailer Interchange/Non-Owned Trailer when pulling others’ equipment. We tailor limits to shipper contracts and handle all required filings.
How fast can I be ready to haul?

With driver MVRs, unit details, and (if any) loss runs, we can quote the same day and bind shortly after. COIs are typically issued the same business day. FMCSA/state filings usually post within 24–72 hours after binding; we coordinate everything so you can start loading without delays.
Do I need Bobtail or Non-Trucking Liability (NTL)?

Bobtail covers the tractor when operated without a trailer, even between dispatches. NTL covers off-dispatch, non-business use. Lease agreements and carrier forms differ, so we match the correct option to your contract to avoid gaps or duplicate coverage.
What cargo limit should I carry for semi-trucks?

Many shippers expect $100,000 for general freight. Hauling high-value goods or temperature-controlled loads may require higher limits plus Reefer Breakdown. We review your commodities and contracts, set appropriate limits/deductibles, and add endorsements (e.g., theft, debris removal) as needed.

We specialize
in commercial insurance

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

818 899 8000