Truckers Insurance That Keeps Your Wheels Moving
Fast commercial truck insurance quotes for owner-operators, fleets, and new authorities.
"Takes less than 2 minutes • No obligation"
Primary Liability • Physical Damage • Cargo • New Authority Packages
Insurance Built for How Truckers Actually Work
Every trucking business is different — from your routes and cargo to your equipment and drivers.
That’s why we focus on coverage built for your operation — not one-size-fits-all policies.
A Simple Approach to Trucking Insurance
We make trucking insurance easy to understand and easy to manage. No unnecessary complexity — just coverage built to protect your truck, cargo, and business.
Primary Liability Coverage
Primary Liability Coverage protects you if you're responsible for accidents on the road. It covers bodily injury, property damage, legal fees, and claims — and is required for operating under your authority.
Physical Damage Coverage
Covers your truck against accidents, theft, fire, and damage — keeping your equipment protected.
Non-Owned Trailer Coverage
Covers trailers you don’t own while they’re in your possession. Protects against damage to borrowed or leased trailers — often required by brokers and shippers.
Trailer Interchange Coverage
Protects trailers under a trailer interchange agreement while you’re hauling them. Covers physical damage when trailers are swapped between carriers.
Motor Truck Cargo
Protects the freight you're hauling from damage, loss, or theft while in transit.
BOBTAIL / NON-TRUCKING LIABILITY
Covers you when you're driving your truck without a trailer or outside of dispatch. Protects you during personal or non-business use.
Occupational Accident Coverage
Provides protection for medical expenses, lost wages, and disability if you're injured on the job — an alternative to traditional workers’ comp for owner-operators.
FAQs
Got Questions? Find Your Answers Here!
What types of trucking insurance does InsureMyDOT offer?
We offer a full range of commercial trucking coverages including primary liability, physical damage, cargo insurance, non-trucking liability (bobtail), trailer interchange, and occupational accident coverage. Our policies are built specifically for owner-operators and fleet owners.
How quickly can I get a trucking insurance quote?
Most quotes can be generated in just a few minutes. Our streamlined process allows you to get fast, competitive rates without long wait times, so you can get on the road quickly.
Do you work with new authorities or first-time truckers?
Yes. We specialize in helping new authorities get insured. We understand the challenges of starting out and can guide you through the process to ensure you meet FMCSA and DOT requirements.
Can I customize my coverage based on my operation?
Absolutely. Every trucking business is different, so we tailor coverage based on your routes, cargo type, equipment, and business size to make sure you're properly protected without overpaying.
What happens if I need to file a claim?
If an accident or incident occurs, our team helps guide you through the claims process quickly and efficiently. We work with top-rated carriers to ensure your claim is handled professionally so you can get back on the road.
Will you help me stay compliant with DOT regulations?
We make sure your coverage meets all federal and state requirements, including DOT and FMCSA filings. Our team helps you stay compliant so you can avoid penalties and keep your authority active.