Trucking Insurance: Specialty Insurance for the Commercial Trucking Industry

Specialty insurance exists readily throughout the commercial trucking industry.

Motor carriers and independent owner operators understand that the commercial truck industry is unpredictable and that accidents can and will happen.  Every truck driver is taking a chance every time they hit the open road.

It is also notable that commercial insurance for the trucking industry is highly variable.  There are several different subcategories of commercial trucking with their own specific concerns.  These specialized vehicles oftentimes require specialty insurance. Examples include construction trucking insurance, produce insurance, and insurance for garbage trucks, to name a few.

With all of this specialization within the commercial truck industry, it is no wonder that the commercial truck insurance industry has to be equally specialized.  Coverage options are available to fit the needs of all motor carriers and independent haulers.   A few examples of which are listed below.

Trucking Liability Insurance

Trucking liability insurance is required for all commercial vehicles operating in the United States.  It covers damage and medical costs from accidents caused by commercial vehicle drivers. 

Physical Damage Insurance

Physical damage insurance for trucks covers damage to personal assets, such as your actual vehicle, sustained in an accident whether or not the policyholder is found at fault.  Physical damage insurance policies can also cover the truck when it is non-operational.

Produce Insurance

Produce insurance is specifically tailored toward drivers who operate refrigerated truck for hauling perishable goods.  It covers the cost of damage to the cargo and accounts for a certain amount of spoilage while on route.

Trailer Interchange Insurance

Trailers are often exchanged by drivers while on the road.  The trailers will no longer be covered under their original policies once exchange, so trailer interchange policies provide temporary coverage for those instances.

Non-Trucking Liability

Non trucking liability or bobtail insurance is a smart option for anyone who makes a living as an independent owner/operator.  It provides liability coverage for drivers when not covered by a contracted employer.

Further Trucking Insurance Reading:
For additional related trucking insurance articles, check out some of our other pages including: Moving Truck Insurance: Specialty Insurance for Household Goods Haulers and Semi Truck Insurance: Big Truck Insurance for Construction Vehicles