Truck Insurance Coverages
A commercial truck insurance policy is made up of many different parts called coverages. The auto liability coverage is the primary coverage needed to be able to drive on the road. Because of this, it is the most expensive part of any insurance policy.
The term “full coverage” gets thrown around a lot but to have full coverage means you have every single coverage available, which isn’t realistic for companies trying to watch their bottom line.

Commercial truck insurance coverages
Lean about what truck insurance coverages might be needed for your trucking business.
- Auto Liability: This coverage is the primary coverage in any auto policy. The primary purpose of this coverage is to protect the public from injury and/or property damage resulting from an accident where you are deemed at fault.
- General Liability: This coverage is often referred to as business liability insurance. It is coverage for various business related claims.
- Bobtail Liability: This coverage is often confused with NTL coverage. Bobtail coverage protects an insured’s tractor while it is being operated without a trailer.
- Non-Trucking Liability: This coverage also called NTL coverage. It is used while being permanently leased to a motor carrier. It provides liability insurance for the truck during your day(s) off.
- Uninsured Motorist: This coverage protects you in the event of an accident that you are deemed not at fault and the other party doesn’t have enough auto liability insurance to cover your medical bills.
- Medical Payments: Coverage to help pay medical expenses for you and any passenger in your vehicle who are injured during an accident or auto related injury.
- Personal Injury Protection: This coverage may be required depending on where you live. PIP insurance pays for your personal medical expenses or for injuries of your passengers regardless of who is at fault.
- Physical Damage: This coverage is used to pay to fix your truck in the event you are in an accident and you are deemed at fault.
- Trailer Interchange: This coverage provides physical damage coverage while pulling someone else’s trailer under contract.
- Motor Truck Cargo: This coverage is often just called Cargo Insurance, and is used in the event of a cargo loss in the care, custody, or control of a for-hire trucker. Cargo coverage does not cover your own property while in transit. This type of coverage would fall under an inland marine policy or equipment floater policy.
- Motor Truck General Liability: This coverage is often called Truckers General Liability. It is used to pay for injuries or property damage you cause as a result of business activities not directly related to operating your truck.
- Rental Reimbursement with Downtime: This coverage can help with business expenses in the event your truck is down due to an accident.
- Garagekeepers Legal Liability: This coverage provides protection to a vehicle in the event of damage or theft while it is in the insured’s care, custody, and control.
- On-Hook Towing: This coverage provides protection to a vehicle in the event of damage while it is being towed or hauled by the insured.

Different types of commercial truckers we can write
We can insure almost any type of commercial truck out there. Below are the most common we see.

States where we can write commercial truck insurance
We can help you put a competitive truck insurance package together for you.