Trucking Insurance
Every mile a commercial truck covers carries real financial and legal risk. Trucking insurance gives owner-operators and fleet owners the specialized protection they need when an accident, a cargo loss, or a liability claim threatens the livelihood behind the wheel.
Built for the Business That Keeps Everything Moving
Commercial trucking is one of the most heavily regulated and liability-intensive industries on the road. Whether you haul freight locally or run long-haul routes across state lines, your exposure to accidents, cargo damage, regulatory penalties, and third-party claims is significant and constant. Personal auto and standard commercial policies were not built for the demands of commercial trucking.
Primary Auto Liability
Covers bodily injury and property damage claims arising from accidents involving your commercial truck, meeting federal and state minimum liability requirements for operating on public roads.
Physical Damage Coverage
Covers repair or replacement costs for your truck and trailer against collision, fire, theft, vandalism, and other covered perils that could take your rig out of service and your income off the road.
Motor Truck Cargo Coverage
Covers the freight you haul against damage, theft, or loss in transit, protecting you from the financial consequences when a load does not arrive at its destination in the condition it left yours.
Non-Trucking Liability
Covers your truck when it is being used for personal, non-business purposes outside of an active dispatch, closing the gap that primary trucking liability leaves when the rig is off the clock.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Owner-Operators and Independent Drivers
Solo drivers carry full personal and business liability for every load they haul and every mile they drive. The right policy meets your filing requirements, protects your truck, and keeps your operation financially viable when an incident on the road generates a claim.
Trucking Fleets and Freight Companies
Fleet operators managing multiple trucks, drivers, and lanes face compounded liability across every vehicle and every route. Scalable fleet coverage ensures consistent protection across your entire operation without gaps that one accident could expose.
Built for the Operators Who Keep the Supply Chain Moving
Trucking insurance is not a one-size-fits-all product. The right program depends on what you haul, how far you run, and how your operation is structured. Whether you drive solo or manage a fleet, your coverage needs to match the regulatory requirements and real-world risks of commercial trucking.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
What insurance is required to operate a commercial truck legally?
Federal and state regulations require commercial truckers to carry minimum levels of primary auto liability coverage, with specific limits that vary based on the type of freight hauled and the operating radius. Owner-operators leased to a carrier may be covered under the carrier's policy while under dispatch, but that coverage typically does not extend to personal use or time between loads. Understanding exactly what your operating authority requires and where your coverage begins and ends is a conversation every trucker should have with their agent before the first load rolls.
Does cargo coverage protect every type of freight I haul?
Not automatically. Motor truck cargo policies often include exclusions or sublimits for certain cargo types including refrigerated goods, hazardous materials, high-value electronics, and livestock. If you haul specialized or high-value freight, your base cargo policy may not provide adequate protection without specific endorsements. Disclosing exactly what you haul to your agent ensures your cargo coverage is structured to protect every load you take on rather than just the standard freight your base policy assumes.
Am I covered when my truck is not under dispatch?
Primary trucking liability typically covers your truck only while it is under active dispatch hauling a load for a motor carrier. When you are driving for personal reasons or between loads without an active dispatch, that coverage typically does not apply. Non-trucking liability fills that gap by covering your truck during personal use periods so you are never operating an uninsured commercial vehicle regardless of whether the rig is working or resting.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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