Common Coverages

Auto Liability

Auto liability insurance covers the costs if you're responsible for an accident, including medical expenses for injuries to others and repair or replacement costs for damaged property. It helps protect you from paying out-of-pocket for claims or lawsuits.

Cargo

Motor Truck Cargo insurance covers the freight or goods a motor carrier is hauling. It protects against loss or damage from risks like theft, fire, collision, or overturn while in transit. It applies to the customer’s cargo, not the truck itself, and often has coverage limits based on the load’s value.

Non-Trucking Liability

Non-Trucking Liability (NTL) insurance covers a truck when it’s used for personal, non-business purposes (like driving home or running errands). It provides liability protection for bodily injury and property damage when the truck is not under dispatch. 

Trailer Interchange

​Trailer Interchange insurance covers damage to a non-owned trailer you’re pulling under a trailer interchange agreement. It protects against risks like collision, fire, theft, or vandalism while the trailer is in your possession, ensuring you’re not personally liable for equipment you don’t own.

General Liability

General Liability insurance protects your company against claims of bodily injury, property damage, and personal/advertising injury that happen during operations. It covers third-party incidents like a customer slipping at your office or damage caused while providing services.

Physical Damage

Physical Damage insurance covers your owned truck and trailer against loss or damage. It includes collision coverage (for accidents) and comprehensive coverage (for fire, theft, vandalism, or other events). This protects your investment in your equipment, regardless of who is at fault.