Business Details
23 Years
experience
Emergency
services
Your Trusted Commercial Truck Insurance Partner
Truck Insurance Group is a full-service truck insurance company with over 20 years of experience in the commercial truck insurance industry. Our team of specialists provides comprehensive coverage options tailored to owner-operators and small fleets, including Tractor Trailers, Straight Trucks, and Pickup Trucks. We offer essential protections such as Trucking Liability, Motor Truck Cargo, Physical Damage, and Workers Compensation.Committed to transparency and client education, we guide clients through required coverage options while securing competitive rates. Our expertise extends to ICC authority applications, hazmat division coverage, and 24/7 emergency support across all 50 states.
Services
Primary Liability
Physical Damage
Motor Truck Cargo
General Liability
Bobtail Coverage
ICC Authority
Workers Compensation
Details
- Year established: 2003
Highlights and features
- We have 20+ years of specialized experience in commercial truck insurance.
- Our 24/7 solutions provide continuous support for urgent needs.
- We offer immediate hazmat division coverage within 48 hours.
- Our nationwide network includes 225+ agents in all 50 states.
- We guarantee competitive pricing with $80,000 in client savings.
Associations and certifications
- FMCSA
What people say
Best local driving rates
Fast hazmat division coverage
Nationwide agent network
Significant cost savings
Personalized service
Services
Primary Liability
Primary Liability insurance covers damages or injuries caused to third parties during truck operations. Required by federal and state agencies, this mandatory coverage ensures legal compliance for interstate and intrastate transport. Premiums depend on driving records, equipment age, and operational scope.
Motor Truck Cargo
Motor Truck Cargo insurance safeguards carriers against freight loss or damage during transportation. This coverage is often mandated by shippers rather than federal law. Policy limits align with cargo value requirements specified by the transport company.
Bobtail Coverage
Bobtail Coverage provides liability protection for owner-operators when not under dispatch or hauling loaded trailers. Requires a permanent lease agreement and covers incidents during vehicle maintenance or personal use periods outside active assignments.
ICC Authority
ICC Authority grants legal permission to transport regulated freight across state lines. Required for vehicles operating over 10,000 GVWR, this federal certification mandates minimum liability coverage ranging from $300,000 to $5 million based on cargo type and vehicle specifications.
Physical Damage
Physical Damage insurance covers repair or replacement costs for insured trucks and trailers. Protection extends to collisions, theft, natural disasters, and vandalism. Optional coverage offers comprehensive financial security for owned transportation assets.
Questions
What does Primary Liability Insurance cover?
Protects against third-party damages/injuries from truck accidents. Required for legal operation with limits based on vehicle type and jurisdiction.
Is Motor Truck Cargo Insurance mandatory?
Not federally required but often mandated by shipping companies to protect transported goods.
How do I obtain ICC Authority?
Submit federal application with minimum liability coverage ($750,000+ depending on cargo type) through FMCSA.
What is Bobtail Coverage?
Provides liability protection when owner-operators are not actively hauling freight under dispatch.
Do you offer short-term insurance for vehicle transport?
Yes, Dealer Short Term Insurance available at $35/day for up to four days during vehicle purchases.
Can I get coverage after a DUI conviction?
Eligibility depends on severity, license status, and compliance with FMCSA regulations for commercial drivers.
