Use Big Rig Insurance Programs to shop several big rig Truck Insurance Quotes or Bus Insurance best offers from one source.
Compare Big Rig Insurance Coverage’s available and find insurance near you.
Same day quotes from multiple carriers. New ventures & fleets. We do DOT filings & MCS-90. We provide customized quotes to fit your specific coverage needs. Buy just what you need, nothing more.
Common Types of Big Rig Commercial Truck Insurance
Get Big Rig Insurance for Primary Auto Liability, Bobtail, Physical Damage, Cargo Coverage, General Liability and Workers Comp – get fast help & quick rate quotes. We help truckers get questions answered and get an online commercial truck insurance quote.
Big Rig Insurance Primary Auto Liability: Mandated truck insurance coverage which protects from injury or damage to others as a result of a truck accident. Required to have active DOT#/MC#.
Physical Damage: Protection covering the repair or replacement of the truck, trailer or bus.
Motor Truck Cargo: Protection for the transporter for his/her responsibility in the event of damaged or lost freight that belongs to someone else.
Trailer Interchange: Coverage for the legal liability of truckers for damage or loss to non-owned trailers and equipment which insured’s possess, typically under a written trailer interchange agreement.
Non-Trucking Auto Liability: Provides limited liability Big Rig Insurance for truckers and owner operators who are leased permanently to an ICC regulated carrier.
ICC Authority: Interstate Operating Authority is permission that is granted by the federal government to transport freight across state lines.
Potential Big Rig Commercial Truck Insurance Discounts that may be available.
Commercial Driver’s License (CDL) Discount – For-hire truck insurance customers who have had a Commercial Driver’s License (CDL) for at least two years can save on their auto liability coverage.
Business Experience Discount – Business auto & commercial truck and busing customers in business for more than three years may qualify.
Prior Insurance – Your company could be eligible for additional savings if you’ve maintained continuous insurance coverage for the last 12 months.
Package Discount – Business Auto & Trucking and busing customers with an in-force General Liability (GL) or Business Owners Policy (BOP) could be eligible.
Paid In Full Discount – You can save if you decide to pay your total premium in one lump sum.
Truckers ELD Discount- If you agree to share the telematics data we may be able to get you between 3%-18% annual discount.
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“Big Rig Commercial Truck Insurance Quotes” Common Coverage’s offered Auto, Cargo, Physical Damage, General Liability and Workers Comp .
Primary Big Rig Auto Liability—up to $5,000,000 combined single limit (depending on carrier)
- Non-trucking Liability
- $1,500,000 Public Auto Limts
- $5,000,000 Public Auto Limit
- Hired Auto
- Non-owned Auto
- Excess and/or umbrella up to $5,000,000
- Medical Payments (PIP Benefits) (where applicable)
- Uninsured/Underinsured Motorist
- Blanket Lessee
- Pollution Buyback
- Physical Damage:
- Collision, Comprehensive or Specified perils
- Aggregate and combined deductibles
- Rental reimbursement
- Personal effects for drivers
- Towing coverage
Potential Big Rig Truck Insurance Coverage’s available:
- Refer breakdown
- Wetness and dampness
- Loading and Unloading
- Debris removal
- Pollution clean up
- Aggregate deductibles
- Earned freight charges
- High valued commodities
- General Liability: $1,000,000 Occurrence; possibly up to $2,000,000 Aggregate
- Commercial Property Insurance
- Surety Bonds
- Workers’ Compensation
- Occupational Accident Coverage
We have specialized programs for many types of commercial big rig trucks, auto haulers, straight trucks, box trucks and New Ventures or New Startups including:
- Local, Intermediate, and Long Haul Truckers especially those with ELD
- Tow Trucks & Auto Haulers
- All types of freight: Dry Freight, Reefer, Containers, Hazardous, Sand & Gravel, Agricultural, Heavy Haulers
- Commercial autos, straight delivery trucks, box trucks and more
- New Ventures OK!
- Owner Operators and Fleets
- Contingent Cargo and Liability
- Dump Trucks (Sand, Dirt, Gravel)
- Hazardous Waste Haulers
- General Commodities (Reefer, Flatbed, Dry Van)
- Asphalt Haulers (Belly Dumps, Side Dumps, End Dumps)
- Fuel Haulers (Gasoline, Crude Oil, Waste Oil, Hot Oil)
- Wrecker Service / Tow Truck Operations/ Straight Trucks
- Trucking Liability / Commercial Auto Insurance
We proudly sell and service Progressive Fleet Insurance, National Indemnity Fleet Insurance and Berkshire Hathaway Fleet Insurance.
Do you need to file your MCS Form 150? Go here https://safer.fmcsa.dot.gov/public/MCS150.asp
Big Rig Insurance rates for the motor carrier industry have risen steeply over the last several years. Most of the trucking companies we interviewed identified this issue as the number one problem they currently face.
Motor carriers are required to have insurance policies for liability, physical damage, and sometimes workers compensation. Firms also purchase umbrella policies to obtain additional coverage above that provided by their primary insurance. A recent survey by the Big Rig Insurance Programs Manager confirmed that insurance rates have increased substantially for both primary and umbrella policies. The survey found that average primary insurance rates increased by 17 percent in 2016 and 32 percent in 2017 and 37 percent for 2018. For umbrella policies, rates rose by 33 percent in 2016 and 87 percent in 2017 and again in 2018. The survey did not account for the level of coverage obtained, but rate increases adjusted for coverage are likely to be higher, because many carriers are reducing their coverage to control costs. Steep rate increases continued in 2018. In our interviews with motor carriers, many reported increases of 35 to 45 percent over the last two years.
Rising big rig commercial truck insurance rates are a critical issue for the motor carrier industry for several reasons. The conditions causing rates to rise do not appear likely to be mitigated in the near future. Indeed, the low investment returns, increased risk of terrorism, and increased damage awards could cause further rate increases in the future. Additionally, competition in the trucking industry makes it difficult for carriers to pass these costs along to their customers in the form of higher prices. Insurance rate increases reduce the profitability and productivity of the motor carrier industry, and may force marginal companies out of business.
Quotes are provided by some of the highest rated companies depending on the state.
Berkshire Hathaway Homestate Insurance Company | Brookwood Insurance Company | Continental Divide Insurance Company | Cypress Insurance Company | Oak River Insurance Company | Redwood Fire and Casualty Insurance Company
National Indemnity Company | National Liability & Fire Insurance Company | National Fire & Marine Insurance Company | National Indemnity Company of the South | National Indemnity Company of Mid-America | Columbia Insurance Company
Drive New Jersey Insurance Company New Jersey | Progressive American Insurance Company Florida | Progressive Bayside Insurance Company Florida | Progressive Casualty Insurance Company | Progressive Mountain Insurance Company Ohio | Progressive Northwestern Insurance Company Ohio | Progressive Preferred Insurance Company Ohio | Progressive Southeastern Insurance Company Indiana | Progressive Express Insurance Company Florida | United Financial Casualty Company Ohio | Progressive Commercial Casualty Company Ohio| Progressive Freedom Insurance Company New Jersey | Progressive Garden State Insurance Company New Jersey | Progressive Max Insurance Company Ohio | Progressive Paloverde Insurance Company Indiana | Progressive Premier Insurance Company of Illinois Ohio | Progressive Select Insurance Company Florida | Progressive Specialty Insurance Agency, Inc. Ohio