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Comprehensive Trucking Insurance Solutions

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Protecting fleets, drivers, and cargo with tailored coverage

Running a trucking operation today means navigating rising costs, complex compliance, and real safety risks. Whether you manage a multi-state fleet or operate independently, the right trucking insurance program helps protect your business, your drivers, and your cargo — keeping your business road ready and competitive.

What is trucking insurance?

Trucking insurance is a customized package of policies designed specifically for the transportation industry. It brings together liability, cargo, physical damage, and worker protections to form a single risk management program. These policies help trucking companies operate legally while protecting drivers, equipment, and freight from the unexpected.

Why trucking insurance matters

From fuel and equipment costs to driver retention, the trucking industry faces mounting pressure. Compliance with FMCSA, DOT, and Hours of Service rules adds layers of responsibility. Accidents, cargo theft, and claims can quickly escalate into financial strain without the right protection and responsive service. Our transportation insurance team understands these realities and builds programs that align with how you run.

Long haul trucking risks

  • Driver shortages and high turnover: Recruiting and retention challenge safety and efficiency. Insurance programs that reflect these dynamics create an accurate risk picture and preserve continuity as staffing changes.
  • Highway accidents and liability exposure: More miles mean more exposure to severe losses. Adequate liability and excess limits help shield your balance sheet and customer relationships.
  • Compliance burdens (ELDs, Hours of Service, DOT): Noncompliance risks fines and downtime. Tailored programs and loss control support help you stay aligned with regulations and on the road.

Short haul trucking challenges

  • Cargo theft in dense markets: Urban routes increase theft risk. Combining cargo coverage with practical controls (secure lots, geo-fencing, SOPs) protects freight and customer commitments.
  • Stop-and-go collisions: Congested routes raise fender-benders and third-party claims. Program design and driver training can reduce frequency while ensuring claim responsiveness.
  • Owner-operator needs: Independent drivers often require non-trucking liability, occupational accident, and physical damage in addition to primary auto — built for contract and regulatory requirements.

Tailored insurance coverage for your trucking operations

No two trucking businesses are the same. We build comprehensive, personalized programs aligned to your cargo, routes, contracts, and goals — backed by specialty transportation knowledge, broad market access, and responsive service.

Fleet trucking insurance

Your program can include:

  • Auto liability: Helps protect against third-party bodily injury and property damage.
  • Cargo & physical damage: Safeguards freight in transit and repairs/replaces units after covered loss.
  • Semi truck & trailer insurance: Extends protection to tractors and trailers for complete fleet coverage.
  • Commercial truck & trailer insurance: Coordinates coverage across vehicles and trailers.
  • Excess liability: Adds a buffer for severe or multiple claims.
  • Property & warehouse: Protects facilities, stock, and equipment.
  • Workers’ compensation: Provides medical care and wage replacement for employees injured on the job —helps businesses manage costs and meet compliance requirements.

Owner-operator trucking insurance

Independent drivers benefit from:

  • Non-trucking liability: Helps protect when operating outside business use.
  • Occupational accident: Addresses medical costs and lost income after a covered accident.
  • Physical damage: Repairs or replaces owner-operated equipment following collision or theft.

The Risk Strategies advantage

As one of the largest specialty brokers in North America, we combine national strength with local insight — bringing access to all major insurance markets, transportation specialization, and dedicated claim and loss control resources to your program.

Dedicated claims advocacy & compliance resources

When incidents happen, responsiveness is critical. Our specialized claims handling and loss control resources help streamline resolution, contain costs, and improve predictability — so you spend less time chasing paperwork and more time running your business.

Seasoned insurance professionals

Transportation specialists translate complex risk into clear coverage decisions — aligning policies to your routes, cargo classes, and contractual requirements. Our seasoned professionals continually monitor claims and industry trends to keep programs responsive as conditions evolve.

Access to all major markets

Broad carrier access matters — especially when underwriting tightens. We leverage multiple markets to structure options that fit your risk profile and budget preferences, pairing local people with powerful solutions for confident placement and renewal strategies.

Protect your fleet and stay compliant

From FMCSA and DOT requirements to liability, cargo, and equipment coverage, we’ll build a trucking insurance program that keeps your business road ready and protected.

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FAQs about trucking insurance

Insurers consider driver records, operating radius, cargo class, vehicle value, garaging, loss history, and compliance scores. Safety technology, training, and maintenance programs also influence pricing. Fleets with disciplined operations and fewer losses typically earn better terms. Understanding these factors helps you allocate resources where they can impact premiums and resilience.

Focus on driver selection and training, telematics, dashcams, and preventive maintenance. Maintain accurate safety records and implement documented policies. Establishing clean and consistent loss experience that demonstrates stability of risk management.  Presenting clean data to underwriters can help demonstrate lower risk. An experienced insurance broker can benchmark your program, negotiate with multiple markets, and recommend improvements that may support more favorable terms over time

Trucking insurance covers the everyday risks of operating trucks on the road. Core protections include liability for accidents, cargo insurance for freight, physical damage for vehicles, and coverage for worker injuries. Some programs also add non-trucking liability or occupational accident policies, giving fleets and owner-operators a safety net against costly disruptions

Coverage needs depend on fleet size, routes, cargo type, and contracts. Federal rules set minimum liability levels, yet many operators select higher limits to address real accident and cargo risks. A seasoned insurance professional can evaluate your drivers, equipment, operating radius, and claims history to recommend limits and deductibles aligned with your business profile. We also employ state of the industry benchmarking tools to evaluate your limits against your peers.

Yes. The FMCSA requires trucking companies and owner-operators to maintain minimum liability coverage to obtain and keep operating authority. State laws and shipper contracts may require additional policies, such as cargo or workers’ compensation. Meeting these requirements supports compliance and helps safeguard against legal exposure and costly claims that can disrupt your business.

Cargo insurance protects freight in transit against theft, fire, collision, or other covered causes of loss. Liability insurance addresses third-party bodily injury or property damage caused by your vehicles. Both coverages work together: one protects customers’ goods, while the other helps shield your company from lawsuits and large settlements after an accident.

Yes. Owner-operators commonly need non-trucking liability, occupational accident, and physical damage coverage for their equipment. Fleets require broader programs spanning multiple drivers, vehicles, facilities, and sometimes warehouses. Tailoring policies to each operation ensures the right protections are in place, helping independent drivers and growing fleets remain compliant and financially resilient throughout changing conditions.

Select a partner with trucking specialization, strong market access, and responsive claims support. Seasoned professionals can identify risks, align coverage with your routes and cargo, and advocate during underwriting and claims. Look for transparent service, proactive loss control, and data-driven guidance so your program adapts as operations, regulations, and costs evolve.

Yes. Proof of liability coverage is required to obtain DOT and motor carrier authority. Depending on cargo and operating radius, you may also need cargo, workers’ compensation, or other policies. Securing insurance early helps speed onboarding with shippers, supports compliance filings, and enables a smoother, more predictable start to operations.

Practice Leadership

Bryan Ice

National Transportation Practice Leader

Bryan Paulozzi

Vice President

Brian Jungeberg

Vice President

Brian McNulty
Vice President, Commercial Sales Leader

Resources

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