Trucking Insurance
Trucking insurance bundles liability, cargo, and physical damage for motor carriers, owner-operators, and freight haulers nationwide.
Trucking Insurance for Growing Businesses
Motor carriers face federal and state insurance requirements, cargo theft, and catastrophic highway accidents. Trucking insurance combines liability, cargo, and physical damage coverages built for for-hire and private fleets.
Remco Insurance Services helps trucking operations nationwide secure filings, certificates, and programs that match radius, commodities, and authority type.
What Is Trucking Insurance?
Trucking insurance is a commercial auto and motor carrier program that typically includes auto liability at FMCSA-required limits, physical damage on tractors and trailers, motor truck cargo, and general liability where needed.
Owner-operators leased to carriers may need bobtail or non-trucking liability, while carriers with their own authority need full primary liability and filings.
Trucking Coverages We Place
Programs for carriers, fleets, and owner-operators.
Auto Liability
Bodily injury and property damage from truck operations, often at $750K-$5M limits.
Motor Truck Cargo
Covers freight damage from collision, theft, and specified perils.
Physical Damage
Collision and comprehensive on tractors, trailers, and equipment.
General Liability
Premises, dock, and operational liability away from the truck.
Trailer Interchange
Damage to non-owned trailers under interchange agreements.
Workers Compensation
Required coverage for employee drivers and warehouse staff.
Why Trucking Needs Specialized Coverage
Standard business auto policies may not satisfy FMCSA filing requirements or cargo contracts. Underwriters evaluate driver experience, CSA scores, equipment maintenance, and commodity hauled.
We work with you on MCS-90 filings, certificates for brokers, and rapid vehicle changes so loads are not delayed.
Frequently Asked Questions
FMCSA sets minimums based on vehicle weight and cargo type. Many contracts require $1 million or more. We confirm your authority and shipper requirements.
It covers owner-operators when driving tractors without a trailer for personal use under lease agreements, distinct from bobtail coverage.
Motor truck cargo policies specify theft coverage and exclusions such as unattended vehicles or excluded commodities. We match forms to your freight.
Driver experience, violations, and age heavily influence premium. Hiring standards and telematics can improve underwriting results.
We coordinate filings with carriers once policies bind so your authority remains active.
New ventures may face limited markets and higher rates. We place startups with insurers comfortable supporting new MC numbers when safety plans are solid.
Get Trucking Insurance
Bind motor carrier coverage with an agency that understands filings, cargo, and fleet operations.