Coverage / Physical Damage
Physical Damage Insurance for Trucks and Trailers
Physical damage protects your tractor, trailer, and attached equipment from collision, fire, theft, and weather. Stated values matter. If you under-insure, you are out-of-pocket on a total loss. If you over-insure, you are paying for limits you cannot collect. We quote at honest replacement values across A-rated markets.
Where physical damage actually responds.
- Collision damage to your truck and trailer
- Comprehensive: theft, fire, hail, vandalism, animal strikes, falling objects
- Mounted equipment (reefer units, hydraulic systems, custom paint) at scheduled value
- Towing, recovery, and storage after a covered loss
If this describes you, get a quote.
If you've financed a truck or trailer, your lender requires physical damage. If you own it outright, this is the policy that keeps a single accident from ending the business.
Limits, deductibles, and inclusions.
- Deductibles of $1,000, $2,500, or $5,000. Higher deductibles drop premium fast.
- Stated value declarations on each unit
- Refrigeration breakdown rider available for reefer trailers
- Trailer interchange coverage can be added when you're under a TIA
Primary Liability Trucking Insurance
Primary liability is the bodily-injury and property-damage coverage federal authority requires you to carry. FMCSA's $750,000 minimum for non-hazmat freight (and $1,000,000 most shippers will actually accept) starts here. We place this with A-rated markets and right-size limits to your radius, freight class, and loss history.
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Motor Truck Cargo and Trailer Interchange Insurance
Cargo coverage protects the freight you're hauling against loss, theft, and damage in transit. Most shippers and brokers require a $100,000 cargo policy on the COI before they'll tender a load. Trailer interchange responds when you're pulling someone else's trailer under a TIA.
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Commercial General Liability for Trucking Operations
General liability is what responds when something goes wrong off the truck: a yard slip-and-fall, damage to a customer's property at a terminal, a shipper certificate that needs an additional insured. It does not replace primary auto liability. It sits alongside it.
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