How Does Commercial Truck Insurance Work?

Commercial truck insurance covers a variety of commercial truck types, including tractor-trailers, dump trucks, straight trucks and pickup trucks. This type of insurance can be purchased by owner-operators for a single truck or for companies that need to insure an entire fleet of trucks.

Basic Coverages
Commercial truck insurance, like personal automobile coverage, provides standard protections such as comprehensive and collision, general liability, uninsured/under insured motorist protection and medical payments.

Specialized Coverages for Commercial Trucks
Commercial truck insurance also includes specialized business-related coverages that add further protection to the standard policy. Motor truck cargo coverage affords protection against lost, stolen or damaged cargo in transit. Trailer Interchange coverage protects the insured against losses to non-owned trailers being pulled by their insured trucks. Non-trucking (bobtail) liability offers protection to owner-operators who are permanently leased to an ICC-regulated carrier. This provides coverage for trucks when not being used directly for business purposes, such as when a truck is bobtailing and goes to a truck wash or to a shop for repairs.