Truck Insurance Quote: Get Commercial Truck Insurance Today
Truck Insurance Quote
Progressive has supported truckers for over 50 years. They have grown to be the #1 commercial truck insurance company in the United State of America. They provide flexible coverage and payment options, free filings, specialized heavy truck claims service, discounts, and expert support.
Why is Trucking Insurance Important?
Truck insurance is important because it helps protect against accidents and other damages. In many cases, it’s also a legal requirement.
Truckers need insurance to cover the cost of repairs, medical expenses, and legal issues that might come up. It can also help with things like cargo protection and roadside assistance. The right coverages can give you peace of mind, on and off the road.
Types of Commercial Truckers we insure
We understand the diverse needs of truckers and offer dependable commercial truck insurance across all 50 states. We specialize in coverage for:
- Owner Operators
- Motor Carriers
- Private Carriers
Owner Operator Insurance
What is owner operator insurance? Owner operator insurance is coverage designed for drivers who own and operate their own commercial trucks. It protects against things like accidents, truck damage, and cargo loss.
Whether you work independently or under a lease for a motor carrier, Progressive Commercial can help you find truck insurance that matches your needs and protects your business.
READ ALSO: Construction Truck Accident Lawyers
Owner operators with their own authority
If you’re running your business independently, you’ll need to purchase owner operator insurance coverage, including:
- Liability: Financially protects you from claims of bodily injury or property damage.
- Physical damage: Pays for necessary repairs to your truck if it’s damaged in an accident.
- Motor truck cargo: Covers loss or damage to the materials you’re transporting.
- Motor truck general liability: Protects against injuries or property damage caused by business activities unrelated to your truck.
It’s important you meet specific owner operator insurance requirements before you begin work. Refer to the Federal Motor Carrier Safety Administration (FMCSA) and any contracts to ensure you have the proper commercial auto insurance coverages. If you have any questions our team is here to help.
Owner operators under permanent lease to a motor carrier
Motor carriers usually offer primary liability insurance to drivers who work under a permanent lease. If you’re responsible for an accident, this coverage will protect you from injury or property damage claims.
Depending on your business, you might need additional leased owner operator insurance coverages, including:
- Non-trucking liability: Protects you when you’re using your vehicle for personal purposes, not work-related tasks.
- Physical damage: Handles the expense of repairing or replacing your truck if it’s damaged in an accident or stolen.
- Trailer interchange: Covers damage to non-owned trailers hauling under a trailer interchange agreement.
While many motor carriers offer these specialized insurance types, you can often get a better rate if you purchase them on your own. This gives you the flexibility to customize your owner operator insurance policy to align with your needs.
Motor Carrier Insurance for For-Hire Trucking
You spend a lot of money on your trucking business, so you want to be sure it’s protected. After all, your truck is your livelihood — that’s why motor carrier insurance designed specifically for for-hire truckers is so important. Choosing the right motor carrier coverage is the best way to protect your investment and your business.
Truck insurance from Progressive protects your business and provides the coverage you need while offering you some of the best rates in the industry, 24/7 policy assistance, and expert claims service, too.
For-hire truck insurance recommendations
Many motor carriers use permanently leased independent contractors. If you are one of these for-hire owner-operators, you may receive Primary Liability insurance under your motor carrier’s authority. However, you may still need to purchase “Contingent” or Non-Trucking Liability insurance and Physical Damage coverage for your vehicle. There are many for-hire truck insurance options. Read below to learn more about the types of motor carrier insurance coverages you or your contractors may need.
Mandatory motor carrier truck insurance coverages
Liability insurance is a mandatory motor carrier insurance coverage that pays for damages you cause to other people and their property. Liability insurance coverages for motor carriers includes Bodily Injury insurance and Property Damage coverage.
Optional motor carrier insurance coverages
To make sure you have the best protection for your truck when you’re on the road, you should also consider purchasing some of the optional motor carrier insurance coverages:
- Physical Damage: Can pay for repairs to your truck if it’s damaged in an accident, whether it’s caused by a collision with another vehicle or a falling tree branch and can include Collision insurance, Comprehensive insurance, or Fire and Theft with Combined Additional Coverages.
- Medical Payments: Available in select states, this first party coverage can pay medical bills for you and any passengers in your truck in case they are hurt in an accident or auto-related injury.
- Uninsured Motorist: Can pay for injuries and damages to you or your passengers and your vehicle, where available, caused by drivers who either don’t have insurance or don’t have enough insurance to cover your injuries and damages.
- Motor Truck Cargo: Can pay for damages to cargo you’re hauling.
State and federal motor carrier insurance filings
To operate under your own authority, motor carriers must often meet various financial responsibility regulations based on the weight of vehicles operated and commodities hauled.
Progressive makes it easy to obtain motor carrier filings for your required levels of financial responsibility. From the SSRS Form E to MCS-90 filing, Progressive can help. Once you obtain your motor carrier authority, we’ll take care of the rest. We’ll even file all of the paperwork for you.
Private Carrier Insurance
As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. If you’re working in construction, excavation, manufacturing, or any other private carrier capacity, Progressive has truck insurance solutions for you.
Private trucking insurance coverages
There are many different types of private trucking insurance coverages, including:
- Liability: This mandatory insurance coverage pays for damages that you cause to other people and their property. Liability insurance coverage includes Bodily Injury Liability and Property Damage Liability.
- Physical Damage: Can pay for repairs to your truck if it’s damaged in an accident, whether it’s caused by a collision with another vehicle or a falling tree branch. It can include Collision coverage, Comprehensive insurance, or Fire and Theft with Combined Additional Coverages.
- Medical Payments: Available in select states, this first-party coverage can pay medical bills for you and any passengers in your truck in case they are hurt in an accident or auto-related injury.
If you need help deciding which coverages are right for you, our licensed insurance representatives can help you build a customized policy to meet your private trucking needs.
Private trucking insurance filings
If you travel across state lines as a private trucker, you might need federal or state truck insurance filings. We make it easy to get truck insurance filings for your required levels of financial responsibility so you can quickly get on the road. We’ll even file all of the paperwork for you.