Commercial Auto
Primary trucking liability coverage required by the FMCSA — covers bodily injury and property damage from truck accidents.
Trucking & Transportation Insurance for Owner-Operators & Fleets
Trucking companies need DOT-compliant commercial auto, cargo coverage, and general liability. We compare multiple carriers to find competitive insurance for your transportation business.
Coverage
What does Trucking & Transportation insurance cover?
The right insurance program for your Trucking and Transportation business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
General Liability
Covers liability at your terminal, loading docks, and for operations not covered under your truck liability policy.
Commercial Property
Protects your trucks, trailers, equipment, and terminal property against damage, fire, and theft.
Workers' Compensation
Covers your drivers and warehouse staff for injuries — required in nearly every state for commercial carriers.
Professional Liability
Covers freight broker and transportation management service errors, including misrouted shipments and cargo claims disputes.
Umbrella / Excess Liability
Adds higher liability protection above primary auto and other scheduled liability policies when a severe trucking loss exhausts underlying limits.
Who needs it
Who needs Trucking & Transportation insurance?
If you operate a Trucking and Transportation business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- Owner-operators and independent truck drivers — Personally responsible for DOT-required liability coverage and physical damage on their own equipment.
- Dry van and flatbed trucking companies — Transport high-value freight on public roads, with liability exposure on every loaded mile driven.
- Refrigerated freight and specialized carriers — Transport temperature-sensitive or oversized loads where spoilage or transit damage claims are high-value.
- Freight brokers and transportation intermediaries — Liable for cargo losses and delivery failures when the carriers they arrange fail to perform as contracted.
Why Ashmont Insurance Agency
The smarter way to insure your Trucking & Transportation business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your Trucking and Transportation business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your Trucking and Transportation coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about Trucking & Transportation insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Trucking insurance costs depend heavily on cargo type, DOT safety record, driver experience, and routes. Owner-operators typically pay $8,000–$18,000 per year for primary liability and cargo combined. Fleet rates vary by size. Ashmont Insurance Agency compares multiple carriers for competitive trucking rates.
The FMCSA requires interstate commercial motor vehicles to carry minimum primary liability coverage of $750,000 for general freight, $1 million for oil/hazmat, and $5 million for hazardous materials. State regulations may impose higher minimums.
Cargo insurance (motor truck cargo) covers the freight your truck is transporting against theft, damage, and loss in transit. It is separate from your truck liability coverage and is required by most shippers and freight brokers.
Yes. Owner-operators need their own primary liability and physical damage coverage. If you operate under a carrier's authority, the carrier may provide some coverage, but gaps often exist — your own policy provides complete protection.
Yes. Ashmont Insurance Agency lets you compare trucking and transportation insurance from multiple carriers online in minutes. We evaluate your DOT authority, cargo types, fleet size, and driver records to find your most competitive options.
Ready to protect your Trucking & Transportation business?
Compare Trucking & Transportation insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.