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Why Choose Coast?

Welcome to Coast Transport Insurance Service, recognized as one of Progressive’s top 25 truck insurance agencies in the nation. At Coast Transport, we specialize in providing comprehensive insurance solutions tailored to the unique needs of trucking businesses. As a trusted partner of over a dozen A rated insurance carriers, we’re dedicated to offering expert guidance and personalized service to help you protect your equipment, drivers, and operations.

Coast Transport Insurance Service has been specializing in truck insurance since 1973.  Our family owned and operated business has been providing truckers across the country with affordable and comprehensive coverage for over 50 years. Our team of dedicated professionals work tirelessly to build lasting relationships with trucking companies and have earned a trustworthy reputation along the way. Whether you need auto liability to stay on the road, to the full gambit of coverages to protect your livelihood and provide the peace of mind you need! We are licensed in 24 states.

Commercial Truck Insurance Coverages

Commercial truck insurance is essential for protecting your business, drivers, and assets from the risks associated with operating commercial vehicles. Understanding the various coverages available can help you tailor your insurance policy to meet your specific needs. Below, we’ll explore common commercial truck insurance coverages along with examples to illustrate their importance.

1. Primary Liability Insurance:

Coverage: Primary liability insurance covers bodily injury and property damage that you or your drivers may cause to others while operating your commercial vehicles.

Example: If one of your trucks is involved in an accident where the driver is at fault and causes injury to another driver, primary liability insurance would cover the medical expenses and property damage of the other party.

2. Physical Damage Coverage:

Coverage: Physical damage coverage protects your commercial vehicles from damage caused by collisions, theft, vandalism, fire, or other covered perils.

Example: If your truck collides with another vehicle or sustains damage from a fire, physical damage coverage would cover the cost of repairs or replacement of your vehicle.

3. Motor Truck Cargo Insurance:

Coverage: Motor truck cargo insurance provides coverage for the cargo or goods that your trucks are transporting in case of damage, theft, or loss during transit.

Example: If the goods being transported in your truck are damaged due to a collision or stolen during transit, motor truck cargo insurance would cover the cost of replacing or repairing the damaged cargo.

4. Non-Trucking Liability Insurance:

Coverage: Non-trucking liability insurance provides coverage for your commercial vehicles when they are being used for non-business purposes, such as personal use or when leased to a motor carrier.

Example: If your truck is involved in an accident while the driver is using it for personal errands during their off-duty hours, non-trucking liability insurance would cover the damages.

5. Occupational Accident Insurance:

Coverage: Occupational accident insurance provides coverage for medical expenses, disability benefits, and accidental death benefits for owner-operators and independent contractors who are not covered by workers’ compensation.

Example: If an owner-operator is injured in an accident while driving their truck, occupational accident insurance would cover their medical expenses and provide disability benefits during their recovery period.

6. Truckers General Liability Insurance:

Coverage: Truckers General Liability Insurance is a crucial component of comprehensive insurance coverage for trucking businesses. It provides protection against various liabilities that may arise beyond the scope of traditional commercial truck insurance.

Example: Example: A delivery driver from your trucking company accidentally drops a heavy package while unloading it at a client’s warehouse, causing a warehouse worker to sustain a serious back injury. Truckers General Liability Insurance would cover the medical expenses and potential legal costs associated with the injured worker’s claim for bodily injury.


Commercial truck insurance coverages are essential for protecting your business and assets from the risks associated with operating commercial vehicles. By understanding the various coverages available and their examples, you can ensure that you have the right insurance policy in place to meet your specific needs and provide financial protection in case of unexpected events. Consulting with an experienced insurance agency like Coast Transport can help you customize your policy to suit your business requirements effectively.

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Commercial Trucks We Insure

Commercial truck insurance, also known as trucking insurance or commercial auto insurance, is a specialized type of insurance coverage designed to protect businesses and individuals who own or operate commercial trucks, such as tractor-trailers, delivery trucks, dump trucks, and other vehicles used for business purposes. This insurance is essential for businesses in the transportation and logistics industry to mitigate financial risks associated with accidents, property damage, and other liabilities.
Commercial Truck Insurance
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