Commercial Trucking Insurance

If you haul goods, cargo coverage is commonly required by shippers or brokers. We'll confirm the right option for your loads and contracts.

Turnaround varies by equipment, drivers, cargo, and carrier requirements. We'll confirm timing after we review the basics.

Yes. We can quote coverage for owner-operators and fleets with multiple units.

We can quote options for local, regional, and interstate operations depending on carrier availability and underwriting.

Limits depend on contracts, filings, and risk exposure. We'll recommend options based on your operations and requirements.

Availability varies by carrier and operation. We'll confirm what applies to your setup and dispatch arrangements.

If you haul trailers you don't own under a written interchange agreement, this coverage may be required. We'll confirm based on your contracts.

Hot shot trucking insurance covers owner-operators and small carriers who haul time-sensitive or smaller loads — typically with a pickup truck and flatbed trailer rather than a full semi. Core coverages typically include primary liability (federally required for commercial carriers), motor truck cargo, and physical damage. We work with carriers that specialize in hot shot operations across all states we serve.

Non-trucking liability (NTL) covers owner-operators when they are using their truck for personal, non-business purposes — not under dispatch. Most motor carrier policies only cover you while hauling for the carrier, leaving a gap when you drive the truck for personal use. NTL fills that gap at a lower cost than primary liability.