Auto Liability coverage stands behind every mile your trucks run, covering bodily injury and property damage liability for the vehicles you operate under your authority. Whether you're running local routes or long haul across multiple states, this coverage meets DOT and FMCSA requirements so you can legally operate and take on new contracts. It scales with your fleet, from a single truck to a growing operation, and keeps your authority in good standing. With the right limits in place, you can bid on bigger freight and work with brokers who require higher liability minimums.

Cargo coverage protects the freight you're hauling, from full truckloads of dry goods to specialized or high-value shipments, typically covering fire, theft, collision, and other named perils while the load is in transit. Coverage limits usually range from $100,000 up to $250,000 or higher depending on what you haul, and shippers will often check your cargo limits before booking with you. Reefer breakdown coverage can be added for temperature-controlled freight, insuring perishable loads against spoilage due to mechanical failure. Solid cargo coverage means you can confidently bid on higher-value freight and build relationships with premium shippers.

General Liability coverage handles the everyday exposures that come with running a trucking operation, from a visitor slipping at your yard to property damage caused during loading and unloading. It's often required before you can sign contracts with brokers, shippers, or freight partners, so having it in place opens doors to more business. Coverage typically includes premises liability, completed operations, and advertising injury, giving your business a well-rounded foundation. It's the policy most partners will ask to see before they trust you with their freight.

Non-Trucking Liability coverage applies when your truck is being used for personal reasons or is off dispatch and not under your motor carrier's operating authority, such as driving home after dropping a load or running personal errands. It fills the gap left by your primary Auto Liability policy during those non-business use periods, which standard commercial policies typically exclude. This coverage is especially relevant for owner-run trucks and leased drivers who use their truck for personal purposes between loads. It's an affordable way to close that coverage gap and keep you covered no matter what the truck is being used for.

Occupational Accident coverage is built specifically for independent contractors and 1099 drivers who don't qualify for traditional Workers Compensation. It provides accident medical expense coverage, disability benefits, and accidental death and dismemberment benefits, giving independent drivers real coverage without the cost of a full comp policy. Many carriers and fleets require their leased drivers to carry this coverage before they can haul under their authority. It's a cost-effective way to offer meaningful benefits to your contracted drivers.

Physical Damage coverage covers the repair or replacement cost of your trucks and trailers after a collision, fire, theft, or other covered event, keeping your equipment on the road and your revenue flowing. You can choose comprehensive and collision coverage separately, with deductibles that fit your budget and risk tolerance. For financed or leased equipment, this coverage is typically required by your lender until the loan is paid off. It's what stands behind the investment you've made in your rigs, whether you're running one truck or twenty.

Trailer Interchange coverage applies when you're pulling a trailer that belongs to another motor carrier under a written interchange agreement, covering physical damage to that trailer while it's in your care. This is common in intermodal and drayage operations, where trailers are regularly swapped between carriers at ports, rail yards, and terminals. Coverage limits typically start around $25,000 and can be adjusted based on the type and value of trailers you're pulling. Having this coverage in place lets you take on interchange agreements with confidence and keeps those partner relationships running smoothly.

Workers Compensation coverage steps in when a team member gets hurt on the job, covering medical expenses and a portion of lost wages while they recover. For trucking operations with drivers, dispatchers, or warehouse staff on payroll, this coverage is required in most states and keeps your business compliant. It also covers legal costs if a workplace injury claim goes further than expected. A strong Workers Compensation policy shows your team you've got their back, and it's often one of the first things new hires ask about.