Commercial Truck Insurance

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What Is Commercial Truck Insurance?

Commercial truck insurance is a grouping of specific auto insurance policies designed to meet the needs of trucking businesses. Basic commercial truck insurance policies cover your trucks in the event of an accident. Collision and comprehensive coverage cover most damages from a wide range of perils.

Specialized commercial truck insurance options for your fleet include coverage for additional perils and specific liability issues. Add coverage for your cargo with an affordable addition to protect your investment as you haul valuable or time-sensitive materials across the country.

After basic and specialized coverage, you can add non-trucking options to your policy. Consider non-trucking liability coverage to protect against incidents when a truck isn’t transporting cargo. Occupational accident coverage, for instance, protects your drivers in the event of an accidental death or dismemberment.

Contact a HUB broker to compare basic and specialized commercial truck insurance coverage options.

Who Needs Commercial Truck Insurance?

• Independent owner-operators and truck drivers
• Commercial transportation businesses
• Any business with trucks, drivers, or transportation-related activity

From a single truck to a wide fleet spread across the country, basic commercial truck insurance is required by law and offers a variety of options to personalize your protection.

Unlike commercial auto insurance, commercial truck insurance is designed specifically for trucks and cargo. The Federal Motor Carrier Safety Administration (FMCSA) requires any commercial operation of a truck to hold a commercial truck insurance policy.

Contact a HUB broker to get started.

Cost-effective coverage and superior protection

As your business partner, our primary mission is to offer you the best insurance value for your premium dollar and provide you with ideal customer service. Our specialists focus on helping balance your needs with cost-effective programs that provide unique coverage and superior protection.

For the commercial trucking industry, a wide range of coverage is available. Together, we can build a plan that includes:

Liability

Primary liability
Non-trucking liability
Hired auto
Non-owned auto
Blanket lessee
Pollution buy back
Excess and/or umbrella liability coverage
Medical payments
Uninsured/underinsured motorist

Physical Damage

Collision, comprehensive or specified perils
Aggregate and combined deductibles
Rental reimbursement
Gap coverage
Towing coverage
Personal effects for drivers

Motor Truck Cargo - Legal Liability Form

Refer breakdown
Wetness
Loading and unloading
Pollution cleanup
Debris removal
Earned freight charges
Aggregate deductibles
High-valued commodities requiring limits of $250,000 per vehicle or higher

Risk Services and Fleet Safety

Pre-Hire Screening Processes
Fleet Safety Program Development and Training
Audit and Inspection Processes
End-to-end Process Management (EBE)
Claim Reporting & Advocacy
Best Practice Assessments (GAP Analysis) – review existing activities and controls relative to recognized best practices
Security and Workplace Violence – analysis and implementation of controls to reduce threat of theft and violence

Employee Benefits

Other Products

General liability
Warehouseman's legal
Commercial property
Inland marine
Crime
Workers’ compensation
Surety bonds
Employment practices liability coverage
Employee benefits

Other Services

Timely filing of federal and state financial responsibility filings
Federal and state DOT assistance
SIRS and large deductibles
Fuel, customs and sub-hauler bonds
Contingent cargo
Various payment options

Protect your bottom line

Whether you operate several trucks or manage a fleet of hundreds, the likelihood of one of your vehicles and drivers being involved in a serious accident on our increasingly crowded highways is one of your greatest worries.

That’s why, as important as all of your safety measures are, it is essential to protect your operation with the best commercial trucking insurance available. We specialize in motor carriers for hire and will work with you to cover your drivers, reduce your losses and loss-related costs, and protect your company’s bottom line.

Contact a HUB broker to get started

HUB Transportation On-Demand Webinars

How to Attract and Retain Drivers

What are you doing to address the talent shortage? Learn strategies to attract and retain commercial truck drivers.

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Webinar: Improving your ISS Score

Learn how you can achieve and maintain an ISS score that makes your fleet attractive to inspectors, drivers, customers and even insurance companies.

Listen Now

Commercial Driver Wellness

Creating a culture of health and wellness for your fleet is hard work. With statistics not in favor of healthy drivers, listen to learn how you can improve the health and productivity of your drivers.

Listen Now

The ELD Mandate is Here: Is your business prepared?

The ELD mandate will impact most truckers and many other commercial fleet operators. Gain a practical understanding of what this means for your operation.

Listen Now

Distracted Driving

Learn what your business can do to promote employee safety and reduce company liability.

Listen Now

Driver Training - Taking Your Commercial Drivers from Good to Great

Listen as we discuss educational programs that tackle onboarding to remedial training. Learn to develop a team of drivers who can handle the most difficult situations on and off the road.

Listen Now

Hackers Don't Discriminate

Cyber attacks on transportation companies are increasing exposing large amounts of driver and customer data. Learn what you need to protect your business.

Listen Now

Surviving a DOT Audit

Are you prepared for a rigorous DOT audit, targeted or full compliance review? Learn how to effectively manage your DOT compliance program and passing an audit with flying colors.

Listen Now

Putting the Brakes on Rising Costs

More fleets have gone out of business in the first 8 months of 2019 than in all of 2018. Learn five ways to create a model of operational excellence that reduces risk and protects profitability.

Listen Now

Know your Risk

Are you managing independent drivers as if they were your employees? Avoid misclassification liabilities and fines when contracting with Independent Owner Operators.

Download the Motor Carrier Contractual Checklist to gain a greater understanding of your rights and responsibilities when engaging with independent contractors.

Download the Checklist

Commercial Trucking Insights

Motor Carrier Contractual Checklist

Working with independent contractors can be a liability for a motor carrier. From lease agreements to insurance and compliance with prevailing regulations, it’s important to know your risks and exposures. This checklist will help.

The Fleet Manager’s Role in Improving Safety

In many businesses, fleet management is the largest risk exposure, accounting on average for more than 60% of claim frequency and costs. That’s made fleet safety an increasingly hot-button issue, and, in turn, focused attention on the role of fleet managers in reducing injuries due to accidents.

Leading Insights to Reduce Cargo Theft

Industry experts agree that cargo theft costs freight companies upwards of $30 billion each year. While the financial loss due to a theft is immediate, a company’s reputation could also suffer — to the extent that future business is significantly affected.

Commercial Trucking Insurance FAQs

What type of fleet can benefit from HUB’s commercial trucking insurance?

HUB places coverage for fleet with one or more (1+) power units. We work with a variety of trucking operations, including but not limited to dry van, refrigerated, intermodal, flatbed, auto haulers, tankers and heavy haul.

What additional services does HUB provide?

We have risk services experts who conduct mock DOT/OSHA audits, work with you to reduce your fleet’s BASIC scores, advise on emergency response plans and more.

What type of commercial trucking insurance coverages does HUB provide?

We place auto liability, general liability, physical damage, cargo, workers compensation, independent contractor coverages (occupational accident, physical damage, non-trucking liability), cyber liability, property and any other coverage your business needs.

What information is required to market my insurance?

Underwriters require a transportation-specific application, IFTA statements, equipment lists, driver roster, most recent five years of valued loss runs and financials (if requesting deductible, SIR or captive options) as well as information on your safety program and culture. Our transportation specialists work with you to tell your story to underwriters.

Are my brokerage operations covered?

Brokerage operations can be covered in an auto package policy, or by a separate freight broker liability policy. Our transportation specialists work with you to ensure your assets are well protected.

What is an MCS-90?

The MCS-90 is an endorsement to a commercial auto liability policy that provides proof a motor carrier has met the financial requirements of the FMCSA.