What is the minimum insurance required for trucking?

The federal minimum is $750,000 in auto liability, but most shippers require $1 million. Hazmat and oversized loads may require $1-5 million depending on cargo type.

Do I need separate insurance for my trailer?

It depends on ownership and interchange agreements. We review your specific trailer usage and ensure every unit is properly covered under the right endorsement.

Does my policy cover when I am not hauling a load?

Only if you have non-trucking liability or bobtail coverage. Primary liability only covers you when operating under dispatch. We make sure there are no gaps.

How does my driving record affect rates?

Significantly. Speeding tickets, accidents, and DOT violations can increase premiums by 20-50% or more. We help you understand how to improve your record and find carriers that weigh factors differently.

Trucking Companies insurance coverage for businesses across Alabama, Georgia, Florida, Tennessee and Mississippi

DOT-Compliant Fleet Coverage

Trucking Company Insurance

Trucking operations face the most heavily regulated insurance requirements in commercial transportation. Our trucking insurance programs provide DOT-compliant primary liability, physical damage, motor truck cargo, non-trucking liability, and trailer interchange coverage for owner-operators and fleet managers across Alabama, Georgia, Florida, Tennessee, and Mississippi.

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What Coverage May Include

Coverage For Trucking Companies

Every policy we write for trucking companies includes these core protections, customized to your specific operation.

Primary Auto Liability

DOT-required minimum liability for bodily injury and property damage caused by your truck

Physical Damage

collision and comprehensive coverage for your tractor and trailer after accidents, theft, and weather events

Motor Truck Cargo

protects the goods you haul against theft, damage, and loss while in transit

Non-Trucking Liability

bobtail insurance covering your truck when driven for personal use and not under dispatch

Trailer Interchange

covers damage to trailers you do not own but haul under interchange agreements with other carriers

Reefer Breakdown

specialized coverage for refrigerated trucks that covers spoilage losses when refrigeration units fail

The Independent Advantage

Why Trucking Companies Choose Us

DOT Filing Assistance

We handle your MCS-90 endorsement, BMC-91X filings, and state-specific DOT compliance requirements so you stay legal and on the road.

Owner-Operator Programs

Whether you are leased to a motor carrier or running under your own authority, we have programs designed specifically for your operating model.

Fleet Experience Management

For multi-truck operations, we actively manage your experience modification factor to keep long-term rates as low as possible through safety programs and claims advocacy.

Ready to Get Covered?

We compare rates from 30+ A-rated carriers to find the best coverage at the most competitive price for your trucking companies operation.

Call (205) 352-2335

Common Questions

Frequently Asked Questions

Get Trucking Insurance Today

DOT-compliant coverage for owner-operators and fleets across the Southeast.

Call (205) 352-2335