Trucks and hauling insurance

What a trucking policy is made of

Primary auto liability

Pays for injuries and damage your truck causes to other people. It's the coverage the FMCSA and the states require.

For example Your driver drifts a lane on I-75 and sideswipes a pickup.

Physical damage

Pays to fix or replace your own truck and trailer after a wreck, fire, theft or a deer.

For example A deer goes through the grille of your tractor north of Corbin.

Motor truck cargo

Covers your customers' freight while it's in your care.

For example A load of lumber shifts on a curve and goes off the trailer.

Non-trucking liability (bobtail)

For owner-operators leased to a carrier. It covers you when you're driving the tractor off dispatch, outside the carrier's business.

For example After dropping the trailer, you back into a parked car on the way home.

Trailer interchange

Covers damage to someone else's trailer you're pulling under an interchange agreement.

For example Another carrier's trailer gets torn up while it's hooked to your truck.

General liability

Covers injuries and damage from your business that don't involve driving, at your yard or a customer's dock.

For example A customer's employee trips over a strap in your yard.