Looking for Trucking Insurance?
Shurr Insurance Agency is your local Trucking Insurance expert! Whether you haul locally or across state lines, we have the right coverage to keep your business moving.
Who Needs Trucking Insurance?
If you operate a commercial truck or manage a fleet for business purposes, you need specialized trucking insurance. Standard auto policies won’t cover commercial hauling. The types of operators who need trucking coverage include:
- Owner-operators and independent truckers
- Flatbed and heavy haul operators
- Box truck and cargo van operators
- Long-haul and interstate carriers
- Refrigerated freight carriers
- Private carriers hauling their own goods
- Local and regional delivery drivers
- Tanker and liquid bulk haulers
Don’t underestimate your risk
Trucking is one of the highest-risk industries for liability exposure. A single accident on the highway can result in serious injury, significant property damage, and major legal costs. The right trucking insurance package protects your livelihood and keeps you compliant with federal and state regulations.
Federal requirement: If you operate a commercial truck across state lines, the FMCSA requires a minimum level of liability coverage. Failing to carry it can mean losing your operating authority.
Core trucking insurance coverages
A complete trucking insurance program typically includes several layers of protection:
- Primary auto liability: The foundation of trucking coverage. Pays for bodily injury and property damage you cause to others while operating your truck.
- Motor truck cargo: Covers the freight or cargo you’re hauling if it’s lost, stolen, or damaged while in your care.
- Physical damage: Protects your truck and trailer from collision, fire, theft, vandalism, and other physical losses.
- Occupational accident: Provides injury and disability benefits for owner-operators who may not be covered by workers compensation.
- General liability: Covers non-trucking incidents like injuries at a loading dock or damage caused while on a customer’s property.
- Non-trucking liability: Protects you when you’re using your truck for personal use and not under dispatch — a gap many truckers don’t realize they have.
Do you need a fleet policy?
If you operate two or more commercial trucks, a fleet policy can simplify your coverage and often reduce your total insurance cost. Fleet policies allow you to insure all your vehicles under one policy, add or remove units easily, and ensure consistent coverage across your entire operation.
Fleet coverage can be customized to include all the same protections as individual truck policies — liability, cargo, physical damage, and more — while giving you the administrative ease of managing one renewal and one point of contact.
Workers compensation for trucking businesses
If you employ drivers or other staff, most states require you to carry workers compensation insurance. This coverage protects your employees from job-related injuries and illness and protects you from costly employee lawsuits. Even a minor injury can result in significant lost wages and medical costs — workers comp ensures your team is taken care of and your business is covered.
How to get started on your quote
To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!