Affordable Semi Truck Insurance Secure Your Fleet Today
At Commercial Pro Shield Insurance, we understand the unique challenges and risks associated with the trucking industry. That’s why we offer comprehensive commercial semi truck insurance tailored to safeguard your truck drivers, vehicles, and the loads they transport.
Our standard semi truck insurance policies include liability coverage, which protects your business from costly claims if one of your drivers causes property damage or bodily injury while operating a company-owned truck. Whether you lease your semi truck to a motor carrier, run a fleet with for-hire drivers, or operate under your own authority, having the right coverage is essential for staying protected on the road.
Custom Insurance Solutions for Your Semi Trucks
Semi Truck Insurance for All Trucking Needs
Owner-Operators
- If you’re working under a permanent lease to a motor carrier or operating under your own authority, we’ve got you covered.
- Additional coverage options include Trailer Interchange Insurance and Non-Trucking Liability Insurance for extra peace of mind.
Motor Carriers
- Our insurance safeguards motor carriers using for-hire truckers or leased independent contractors, protecting vehicles and operations.
- Even with Primary Liability Insurance, we recommend extra protection like Physical Damage and Non-Trucking Liability coverage.
Private Carriers
- If you haul goods in your own truck for a company or employer, our semi truck insurance ensures your business is protected from liability claims like property damage or bodily injury caused by an accident.
Semi Truck Insurance for All Trucking Needs
We offer a variety of coverage add-ons to address the unique risks faced by trucking businesses:
- Non-Trucking Liability : Protects you when using your truck for personal errands outside of dispatch.
- Trailer Interchange Insurance: Covers physical damage to non-owned trailers hauled under a trailer interchange agreement.
- Physical Damage Coverage Helps pay for repairs or replacement if your truck is damaged in an accident or stolen.
- Motor Truck Cargo Insurance: Protects your cargo in case of theft, fire, or collision.
- Motor Truck General Liability Insurance: Covers third-party bodily injury or property damage claims, as well as advertising injury or premises-related incidents.
- Rental Reimbursement with Downtime: Reimburses rental costs for up to 30 days if your truck is being repaired or replaced due to a covered loss.
How Much Does Semi Truck Insurance Cost?
- The type of cargo you transport
- The location of your business
- Your policy’s coverage limits
- The type of trucks in your fleet
- The driving history of your employees
- Your company’s claims history
FAQs for Semi Truck Insurance
Commercial semi truck insurance typically covers liability for property damage and bodily injury caused by your truck drivers. Additional options, like Physical Damage Coverage, Motor Truck Cargo Insurance, and Non-Trucking Liability, can also protect your trucks, trailers, and cargo from accidents, theft, or other risks.
Yes, if you own or operate a semi truck, having commercial insurance is usually required by law. The specific requirements depend on your location, the type of truck, and the cargo you transport. Liability coverage is the minimum required, but additional coverages are strongly recommended to safeguard your business.
You can reduce premiums by maintaining a clean driving record, implementing safety training for your drivers, selecting higher deductibles, and bundling policies. Regularly reviewing your coverage needs with our agents can also help you find cost-effective solutions.
The cost of your insurance depends on several factors, including the type of cargo, the truck’s make and model, your coverage limits, the location of your business, and your drivers’ safety records. At Commercial Pro Shield Insurance, we provide customized quotes to fit your specific needs and budget.
Yes, even if your motor carrier provides Primary Liability Insurance, you may need additional coverage like Non-Trucking Liability Insurance, Physical Damage Coverage, or Trailer Interchange Insurance. These coverages protect you and your truck when you're not under dispatch or in cases not covered by the motor carrier’s policy.