All states require vehicle insurance on your business to be able to use them, covering your company’s liability if you or your drivers cause accidents. there are several  coverages, each of which are designed to safeguard your company and your personal assets from financial loss. Your policy will likely include:

Commercial Truck Liability Insurance

Covers your liability risks in the event you or one of your employed drivers cause an  accident. Your commercial truck liability insurance will include bodily injury to cover the costs of harming and medical expenses for the injured party and it also pays the costs of property damage. Your commercial truck liability insurance will typically also cover expenses  of legal defense, whether or not your company is found guilty.

Uninsured/underinsured motorist coverage

If a driver or owner of a vehicle does not have insurance or it is insufficient and is legally liable for an accident, you can use UM or UIM coverage for injuries, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select, including death. Certain exclusions may apply.

Motor Truck Cargo

It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load.

Physical damage coverage

Physical Damage is a general term for a group of insurance coverages that protect your vehicle. This general term includes Collision insurance, as well as your choice of full Comprehensive insurance or the more limited Fire and Theft with Combined Additional Coverage insurance.

In addition to these types of coverages, you can customize your policy according to your  needs, for example:


– Personal Injury Protection

– Trailer Interchange

– General Liability

– Bobtail Insurance

– Workers Compensation

Types of Commercial Trucks

Commercial trucks include several types of large vehicles, including:

  • Dump trucks
  • Semis (tractor-trailers or 18-wheelers)
  • Garbage trucks
  • Car haulers and auto trailers
  • Tow trucks
  • Flatbed trucks
  • Pick up Trucks
  • Tank trucks
  • Box trucks
  • Straight trucks