Business Insurance

Commercial Trucking Insurance

Coverage for private carriers and owner-operators — primary liability, cargo, physical damage, and occupational accident protection for your trucks.

Looking for Commercial Trucking Insurance in Bluffton?

As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing, or any other private carrier capacity, we have truck insurance solutions for you.

Primary Liability – Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or ensure that the leased operator carries it on their own.  Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.

Cargo Insurance– Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.

Physical Damage (Collision, Specified Perils) – Provides coverage for repair or replacement due to damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.

Occupational Accident – Product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, occ/acc is similar in scope and intent.

Most motor carriers require their leased operators to be covered either by workers compensation or occ/acc at the leased operators expense. For those who qualify, occ/acc is generally a lower cost alternative.

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To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!

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Frequently asked questions

What is primary liability coverage?
Every trucker or trucking company operating under their own authority is required to carry primary liability on all owned units, and either provide it for leased vehicles or ensure the leased operator carries it. Usually the motor carrier provides this for leased operators, with rare exceptions.
What does cargo insurance do for truckers?
Cargo insurance covers loss or damage to the property a truck is transporting — the load. It's generally, though not always, provided by the motor carrier for leased operators.
What is occupational accident coverage?
Occupational accident (occ/acc) is designed for owner-operators. In most states, self-employed owner-operators can opt out of state-mandated workers compensation, and while occ/acc isn't the same as workers comp, it's similar in scope and often a lower-cost alternative for those who qualify.

Related coverage

Commercial Auto Insurance

Coverage for the vehicles your business depends on — cars, vans, trucks, and more. Personal auto policies often won't cover business use.

Cargo Insurance

Protection for goods in transit by ocean, road, or across borders — for manufacturers, importers, exporters, traders, and logistics companies.

Ready to talk it through?

Tell us a little about what you need and one of our agents will reach out. We'll shop your coverage and come back with real options.

Request a Quote (833) 414-3040