Truck insurance provides coverage for commercial trucks—such as semi-trucks, big rigs, and delivery trucks—to protect against liability, physical damage, cargo loss, and other risks. Any business that owns, leases, or uses trucks for commercial purposes should consider having truck insurance.
Truck insurance is designed specifically for heavy vehicles and long-haul operations, with higher liability limits, endorsements for cargo, trailers, bobtails, and special risk and route coverage. Standard commercial auto policies are not adequate for trucking operations.
Typical coverages include liability for bodily injury and property damage, physical damage (collision and comprehensive), cargo insurance, bobtail coverage (when the truck is operated without a trailer), non-trucking liability, trailer interchange, and endorsements like motor truck general liability or occupational accident coverage.
Yes, in virtually all jurisdictions, trucks operating on public roads must carry minimum liability insurance. For interstate trucking, regulations from federal agencies (e.g. in the U.S., FMCSA) mandate specific levels of coverage for liability, cargo, and insurance authority compliance.
Premiums depend on many factors: the type, make, model, and age of the truck; its gross vehicle weight rating; the routes and geographic areas driven; cargo type and value; driver experience and safety record; annual mileage; coverage limits and deductibles; claims history; and risk mitigation measures.
You should evaluate insurer reliability, tailored policy options (for your freight type, routes, and operations), the ability to bundle with other business policies, claims handling reputation, and flexibility for scaling coverage as your fleet grows. A broker like Alchemy Insurance can compare carriers to find a policy that matches your trucking business’s specific needs.
