Truck Insurance

Committed to Safeguarding Your Business, While You Focus on the Road Ahead.

WHY DO I NEED TRUCK INSURANCE?

At Insurabrite, we’re proud to be among the nation’s fastest-growing truck insurance agencies. With a vast network serving over 11,000 trucking companies nationwide, we offer access to exclusive and semi-exclusive commercial truck insurance markets in 48 states. Whether you’re a new venture, seasoned owner-operator, or manage a large fleet, we’re dedicated to finding the most affordable and comprehensive insurance coverage for your trucking business. Backed by 50 years of industry expertise, our team ensures your business keeps moving forward. Plus, our in-house trucking permits department helps you stay compliant with ease.

AUTO LIABILITY

Truckers must carry auto liability insurance for every rig they operate, covering damages or injuries caused by their truck. Accidents involving commercial trucks can result in significant injury or property damage. Auto liability insurance typically includes coverage for bodily injury, property damage, and legal fees, as required by law for commercial trucking operations. This coverage protects both the trucking company and the driver, safeguarding business and personal assets in case of an accident.

PHYSICAL DAMAGE

Physical damage insurance offers crucial protection for your truck against various risks such as collisions, fires, theft, and vandalism. With collision coverage, damages resulting from accidents with other vehicles or objects are covered, while comprehensive coverage extends to damages from non-collision events like theft or natural disasters. While not legally required, obtaining physical damage insurance is highly advisable for truck owners as it safeguards against significant financial losses in the event of damage or total loss of the vehicle. Moreover, if your truck is financed, physical damage coverage is typically mandated by the lienholder to protect their investment.”

“By securing physical damage insurance, trucking businesses can mitigate the financial risks associated with truck damage, ensuring continuity of operations even in the face of unforeseen accidents or incidents. As an integral component of your risk management strategy, physical damage coverage provides peace of mind and financial security, allowing you to focus on running your business effectively while safeguarding your valuable assets.

MOTOR TRUCK CARGO

Motor truck cargo insurance (MTC) is essential for trucking companies, protecting against liability for damaged or lost goods during transport. It covers the value of cargo destroyed, spoiled, or stolen while in transit, reimbursing shippers for replacement or repair costs. Often required by brokers and shippers, MTC insurance safeguards against substantial financial losses resulting from claims for damaged or missing freight. With adequate policy limits, truckers can transport goods confidently, knowing they are protected from potential large cargo settlements and minimizing their exposure to liability risks.

Secure Your Future Now - Get Insured!

Drive with Confidence! Insure your trucking business with Insurabrite, your trusted partner for comprehensive coverage. Get a quote today and protect your assets on the road.

Get Quote now

TRAILER INTERCHANGE

Trailer interchange insurance is crucial for trucking companies engaging in trailer borrowing agreements. It protects against damage or loss of borrowed trailers during covered events, ensuring the owner’s asset is financially safeguarded. While mandatory in sharing arrangements, this coverage specifically applies to the trailer itself and not the truck or cargo. Truckers need separate motor truck cargo insurance for cargo protection. With proper interchange insurance, truckers can collaborate flexibly while minimizing liability risks, essential for protecting valuable assets in the trucking industry’s collaborative landscape.

EXCESS LIABILITY

Truckers excess liability insurance offers crucial additional financial protection beyond primary coverage limits, safeguarding trucking companies and drivers from potentially high costs of damages or injuries. Also known as umbrella insurance, it covers expenses exceeding primary liability coverage, providing peace of mind and ensuring adequate financial protection in the event of a serious accident. Given the potential expenses associated with truck accidents, excess liability insurance is vital for mitigating risks and securing comprehensive coverage for trucking operations.

NON-TRUCKING & BOBTAIL

Non-Trucking Liability (NTL) coverage provides limited liability protection for personal use of your truck, filling the gaps when not covered by primary liability policies under motor carriers. Bobtail insurance, on the other hand, safeguards the truck even when not hauling a trailer, covering collisions during transit between locations. Both policies offer essential protection for truckers during off-duty or non-business activities, ensuring peace of mind and comprehensive coverage in various scenarios.

FREQUENTLY ASKED QUESTIONS

Do you only have access to one insurance carrier?

No, we are an independent insurance agency, so we have access to an average of 30+ carriers.

Do I have to pay the full down payment to get insurance?

Yes, the full down payment must be paid at time of binding.

How much does truck insurance cost?

This can be a tougher question as there are many factors that go into each trucking company, such as drivers, length of experience, radius of operations, etc. The best way to answer this is to let us gather all the necessary information and allow our many companies to quote.

How long does it take to get a quote?

Depending on the risk, it can be same day, 24-48 hours, or a week to receive all the quotes from all the carriers, to ensure we give you the best coverages for the best price we can.

How long does a truck insurance policy last?

Most policies are written for a 12-month term. Some of our companies allow for 6-month terms to be written as well.

How much experience do drivers need?

Most carriers require minimum 2 – 3 years CDL experience, however, depending on the risk, we have carriers that will take a brand new CDL diver or driver’s with at least 6 months CDL experience.

How do the DOT/CA/MC filings work?

Once insurance is in place, the insurance company sends your MCP65 directly to the DMV within 24-48 hours for processing.

I need to get the MCP65 sent to the DMV to activate my permit, can you send it at time of payment?