Commercial trucking insurance · IL & WI
For owner-operators, new authorities and small fleets. We compare trucking policies from several insurance companies and explain, coverage by coverage, what each one pays for and what it leaves out.
Free quote, no obligation. In English, Ukrainian, Polish or Russian.
Trucking coverages
A trucking insurance program is built from separate coverages. Each has its own limit, deductible and exclusions, and one does not automatically include the others.
Pays for injuries to other people and damage to their property when your truck causes an accident, including legal defense.
Federal minimums for interstate for-hire carriers start at $750,000 depending on cargo; many brokers and shippers ask for $1,000,000.
Pays to repair or replace your own truck after a collision, rollover, fire, theft or other covered loss, usually up to the stated value you choose.
Has a deductible. Lenders usually require it on a financed truck.
Covers the freight you haul for others if it is damaged or lost in a covered event, such as an accident, fire or theft.
Watch the exclusions: unattended vehicles, certain commodities and reefer breakdown unless added.
Physical damage for trailers you own, and trailer interchange for non-owned trailers you pull under a written interchange agreement.
A trailer you own is not automatically covered just because the tractor is.
Liability for an owner-operator leased to a motor carrier when the truck is used outside of dispatch, for example driving home after a load.
It is not business-use coverage. While under dispatch, the motor carrier’s liability usually applies, depending on your lease.
Tell us how you operate and what your lease or broker contracts require. We will line up the coverages and limits that fit.
Get a Trucking Insurance QuoteAdditional coverages are available from some companies: general liability, reefer breakdown, occupational accident, towing and downtime, hired and non-owned auto. Availability, limits and terms depend on the company and your operation.
Understanding your coverage
After one accident, three different policies can be involved, each paying for something different.
| Coverage | What it pays for here |
|---|---|
| Primary liability | Injuries in the other car and damage to it |
| Physical damage | Repairing your own tractor and trailer |
| Motor truck cargo | The damaged freight you were hauling |
If one of the three is missing, that part of the loss may be yours to pay.
If you are leased on to a motor carrier, the carrier’s primary liability usually covers you while you are under dispatch. Outside of dispatch, such as driving to get the truck serviced or going home, non-trucking liability can cover you.
Your lease agreement decides who provides what, so we read it before quoting.
Liability, physical damage, cargo and trailer coverage are separate parts with separate limits and deductibles. Some are on one policy, some on different policies or with different companies.
Before you sign, check what is listed on the declarations page, not just the total price.
Exclusions differ a lot between trucking insurers. We point them out before you choose.
What affects the price
Trucking insurers weigh these factors in very different ways. Some do not insure new authorities, certain radiuses or certain cargo at all.
Garaging location and safety records can also affect the rate. Rating rules vary by company.
How to compare trucking insurance
A cheaper trucking quote can have a lower cargo limit, a higher deductible or exclusions that matter for your freight. As an independent agency we request quotes from several companies and compare the details that brokers, shippers and your lease actually check.
We cannot promise the lowest price or that every company will accept every operation. We can make sure you understand each quote before you choose.
How to get a quote
Call, text or send the short form. Tell us whether you have your own authority or are leased on, and what you haul.
We check companies that fit your radius, cargo and experience, and compare coverage by coverage.
In your language. After you choose, we help with certificates for brokers and shippers.
Please do not enter driver’s license, Social Security or payment details in the online form. If a company needs them, we ask later through a secure channel.
Get a Trucking Insurance QuoteTrucking insurance questions
Yes, but fewer companies insure new authorities and the price is usually higher in the first years. Driving experience and a clean record help. We check which companies accept your situation.
Both are for owner-operators leased to a carrier, but companies define them differently. Non-trucking liability usually covers personal use outside of dispatch; bobtail usually covers driving without a trailer. Neither covers business use. We check the exact wording.
No. Cargo policies have limits and exclusions, for example for certain commodities, unattended vehicles or reefer breakdown. Tell us what you haul so the coverage matches your freight.
Many brokers and shippers ask for $1,000,000 in auto liability and $100,000 in cargo, but requirements vary. Check your contracts and send them to us so we quote the right limits.
When filings are required, the insurance company files them. We help you request the filings your authority needs.
Usually physical damage for your truck and non-trucking liability, while the carrier provides primary liability under dispatch. Your lease agreement decides the details, so we review it first.
Send the short form or call us. We compare quotes from several companies and explain the differences coverage by coverage.
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ESEspañol
UAУкраїнська
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BGБългарски