Semi Truck Insurance

Commercial vehicles never stop going, the risks they face are just as constant

Truck accidents are some of the worst accidents on the road, particularly due to the size and weight of the rig. Because accidents generally result in severe damage, the coverage you choose is very important.

Our agents specialize in coverage for most types of commercial trucks no matter the size. Give us a call!

Commercial vehicles never stop going the risks they face are just as consistant.

Truck accidents are some of the worst accidents on the road, particularly due to the size and weight of the rig because accidents generally result in severe damage the coverage you choose is very important.


Primary Liability Insurance coverage protects you from damage or injuries to other people as a result of a truck accident. This semi truck insurance coverage is mandated by state and federal agencies and proof of coverage is required to be sent to them. We provide insurance coverage limits ranging from $35,000 to $1,000,000. Pricing is dependent on region, driving records, and history of the trucking operation.


Trucking Physical Damage Insurance is coverage for your commercial truck and trailer. This insurance coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles. Pricing is based on the value of your equipment and usually pays a percentage of that value. This semi truck insurance coverage may be required by the lien holder of your vehicle.


Motor Truck Cargo insurance is needed to protect the carrier in case of lost freight or damaged goods. There is a maximum load limit per vehicle with this policy. Truck insurance coverage limits can range from $10,000 to $100,000 with excess policies available upon request. Pricing for this insurance is mainly dependant on the type of cargo being hauled.


Workers Compensation insurance policies actually provide two types of protection. One covers the cost of medical expenses and disability payments if employees are injured or exposed to illness-causing substances while on the job. The other provides businesses with liability protection in case they are sued for damages arising from employment-related accidents or diseases.

What will it pay for?

Typically, Workers Compensation will pay for medical benefits for job-related injury or disease, disability income benefits, including compensation for lost wages, and rehabilitation benefits to help an injured worker return to productive work.

Be advised, in many states workers compensation is not optional. As a business owner, you are required to carry this coverage.


Non-Trucking Liability (Bobtail Coverage) provides limited liability truck insurance for owner-operators who are permanently leased to an ICC regulated carrier. It provides limited liability protection when the owner-operator is not on dispatch, or pulling a loaded trailer. For example, this coverage would apply when the owner-operator gets their truck washed or brings their trucks into a shop for repairs. Once the owner-operator is under dispatch, they are covered under the Primary Liability insurance policy of the company that they are leased to.


This coverage protects semi truck operators from occupational as well as non-occupational injuries at an affordable rate. Benefits include: accidental death, accidental medical expense, temporary total disability and continuous total disability.

Beyond Insurance.

Frequently people go for years without reviewing their insurance program, even though life quickly changes. By answering a few questions, you can have the peace of mind knowing that your family and possessions are protected.