We have just recently added the states of Georgia and Florida to our list where we offer Commercial Truck Insurance Online Quotes to insure big rigs.
For the states of AL,AR,FL,GA,IA,IN,KS,MS,NC,NE,NJ,OH,PA,SC & VA use the secure contact form below or call us at (888) 287-3449.
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
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Save money-use quality Big Rig Insurance Programs to shop several Commercial Truck Insurance offers from one source.
For the best big rig rate quotes in AL,AR,FL,GA,IA,IN,KS,MS,NC,NE,NJ,OH,PA,SC,TN and VA call us now at (888) 287-3449.
Common Types of Big Rig Truck Insurance
Bobtail, Physical Damage, Liability, Cargo – get fast help & quick rate quotes. We help truckers get questions answered and get an online commercial truck insurance quote.
Primary Liability: Mandated truck insurance coverage which protects from injury or damage to others as a result of a truck accident.
Physical Damage: Protection covering the repair or replacement of the big rig truck or trailer.
Motor Truck Cargo: Protection for the transporter for his responsibility in the event of damaged or lost freight.
Trailer Interchange: Coverage for the legal liability of truckers for damage or loss to non-owned trailers and equipment which insured’s possess under a written trailer interchange agreement.
Non-Trucking Liability: Provides limited liability truck insurance for 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 that regulated across state lines.
Get just what is needed to insure your commercial truck with our big rig insurance programs. Locate, quickly compare and easily buy the right coverage on the same day that you need it. Insurance in the trucking world doesn’t have to be hard.
Other states please scroll down past form for our direct companies. Thank you for visiting our website.
Federal or State Mandated Primary Auto Liability
• We offer limits up to $2 million plus, we transmit state and federal filings promptly
to get or keep you in business fast. Non-Trucking Liability (NTL)
• When truckers are under permanent lease to a motor carrier that provides their Primary Liability coverage, NTL provides liability coverage while they use their truck for most non-business, personal
use. NTL will not provide coverage when you are hauling any type of cargo, whether they are being paid or not, or coverage for any activities deemed to benefit the motor carrier. Motor Truck Cargo
• Helps truckers cover the value of the cargo they haul as well as additional costs, such as debris removal, earned freight charges and more with separate limits and no additional deductible. Motor Trucking General Liability (GL)
• Helps professional truckers meet a contractual requirement with GL—which pays for damages caused by them when they’re not driving. Rental with Downtime
• Helps truckers get a temporary rental if their vehicle’s down due to a covered cause of loss; if a replacement can’t be found, it pays them up to the daily maximum limit to help them cover expenses—even if they can’t work. Motor Truck Cargo Refrigeration Breakdown
• Provides truckers with legal liability protection for a loss due to accidental breakdown
of refrigeration or heating units.
Plus, you can purchase these Physical Damage coverages with or without
Liability coverage: Permanently Attached Equipment
• Provides additional coverage for equipment, such as loaders and tarping systems,
when included in the stated amount. Comprehensive Only
• Makes it easy for truckers to continue limited coverage while storing a vehicle
during the off-season. Trailer Interchange
• Provides Physical Damage coverage to any non-owned trailer a trucker is using—
normally required when hauling a trailer under a Trailer Interchange Agreement.
Description for 4212: Local Trucking without Storage
Division E: Transportation, Communications, Electric, Gas, And Sanitary Services |
Major Group 42: Motor Freight Transportation And Warehousing |
Industry Group 421: Trucking And Courier Services, Except Air
4212 Local Trucking without Storage: Establishments primarily engaged in furnishing trucking or transfer services without storage for freight generally weighing more than 100 pounds, in a single municipality, contiguous municipalities, or a municipality and its suburban areas.
Carting, by truck or horse drawn wagon
Debris removal, local carting only
Draying, local: without storage
Farm to market hauling
Furniture moving, local: without storage
Garbage, local collecting and transporting: without disposal
Hauling live animals, local
Hauling, by dump truck
Local trucking, without storage
Mail carriers, bulk, contract: local
Refuse, local collecting and transporting: without disposal
Rental of trucks with drivers
Safe moving, local
Star routes, local
Truck rental for local use, with drivers
Description for 4213: Trucking, Except Local
Division E: Transportation, Communications, Electric, Gas, And Sanitary Services | Major Group 42: Motor Freight Transportation And Warehousing | Industry Group 421: Trucking And Courier Services, Except Air
4213 Trucking, Except Local: Establishments primarily engaged in furnishing “over-the-road” trucking services or trucking services and storage services, including household goods either as common carriers or under special or individual contracts or agreements, for freight generally weighing more than 100 pounds. Such operations are principally outside a single municipality, outside one group of contiguous municipalities, or outside a single municipality and its suburban areas.
Trucking rental with drivers, except for local use
Trucking, except local
Description for 4214: Local Trucking with Storage
4214 Local Trucking with Storage: Establishments primarily engaged in furnishing both trucking and storage services, including household goods, within a single municipality, contiguous municipalities, or a municipality and its suburban areas.
Furniture moving, local: combined with storage
Household goods moving, local: combined with storage
My company purchased a large tow truck that is 26,001 lbs. or more gross vehicle weight rating (GVWR). We do not currently employ any drivers who possess a commercial driver’s license (CDL). The vehicle has only been driven a few times by a family friend, who is not an employee and has driven the vehicle as a favor absent any compensation. Does our company need a U.S. Department of Transportation (DOT) drug and alcohol testing program to test this occasional driver?
Yes. In accordance with 49 CFR 382.103, your company must implement a DOT drug and alcohol program for all drivers operating a commercial motor vehicle (CMV) that requires the driver to possess a CDL. 49 CFR 382.107 defines “Driver” as “any person who operates a commercial motor vehicle. This includes, but is not limited to: full time, regularly-employed drivers; casual, intermittent or occasional drivers; leased drivers and independent owner-operator contractors
Underwriting is the major operation of a truck insurance company because the underwriter determines the risk the truck insurer can take on and determining the necessary rate for such risks.
The underwriter is responsible for protecting the truck insurance company against adverse selection where high risk candidates pay more for coverage in proportion to the amount for coverage of low risk candidates. To prevent adverse selection, the underwriter must consider psychological, physical, and moral hazards when considering truck insurance applicants.
Other considerations to insure big rigs are physical hazards-dangers which surround the property or individual that may jeopardize the operations of the insured. The truck insurance premium is determined by the law of averages as calculated by actuaries. Big Rig Truck Insurance Programs and insurance companies that issue them have become major suppliers of capital, and they rank among the nation's largest institutional investors because truck insurers invest premium payments into a wide range of revenue producing projects.
Get help with commercial Big Rig truck insurance coverage from our brokers in your state.
For Truck Insurance in the states of FL,GA,IA,IN,MD,KS,MD,NC,NE,NJ,OH,PA,SC,TN and VA use the secure contact form below or call us at (888) 287-3449.
The Federal Motor Carrier Act of 1980 requires interstate motor carriers to provide evidence of financial responsibility. One way to achieve this is to obtain a MCS-90 endorsement from an insurance company. An MCS-90 endorsement makes the insurance company a guarantor of the motor carrier’s ability to pay liabilities it may incur, including bodily damage associated with its drivers and vehicles, or property damage associated with pollution losses (for example, from hazardous materials spills). The primary purpose of requiring motor carriers to demonstrate financial responsibility is to ensure that liabilities incurred in hazardous material spills, for example, will be paid, even in the event of the bankruptcy of the responsible motor carrier.
MCS-90 indemnification is usually attached as a rider to other insurance coverage that motor carriers are required to have, but is distinct and separate from such coverage. Under MCS-90, the insurance company evaluates the credit risk of the firms it covers. It only becomes responsible for “hazard” risk when these firms become bankrupt, or otherwise unable to pay. In addition to MCS-90 indemnification, motor carriers also purchase insurance coverage that obligates the insurance company to reimburse them for liabilities and costs associated with accidents or hazardous spills.
In fact we have been insuring these business types for over 30 years in addition to our valuable Big Rig trucking clients.
Airport/Aviation (except Local/Regional)
Ambulance Service – Private
Ambulance Service – Municipal/Special Service District
Assisted Living (other than nursing homes)
Bank – Foreign-Owned or US Branch of Foreign Bank
Bank – US-Owned
Beauty/Barber/Nail – Including Facial-Only Waxing Services Only
Beauty/Barber/Nail – Including Full Body Waxing and/or Massage Services
Call Center, Telemarketing, or Direct Mail Services
Catering Service – Including Banquet Halls & Facilities
Catering Service – No Banquet Halls & Facilities
Consultants- All Other
Consultants- Including Drug Testing, Background Check or similar services
Contractor – Artisan Contractors
Contractor – Construction Company
Contractor – General Contractor
Credit Operations – All Other
Credit Operations – Including check cashers, payday loan offices, factors and
Daycare Center – Commercial
Daycare Center – Residential
Drug Rehabilitation Centers
Executive Search Firms
Hotel/Motel Management Company – No Full-Service Restaurant or Bar
Hotel/Motel Management Company – With Full-Service Restaurant or Bar
Hotel/Motel Owner – No Full-Service Restaurant or Bar
Hotel/Motel Owner – With Full-Service Restaurant or Bar
Law Firm – Entertainment Law
Law Firm – Other than Entertainment law
Manufacturer – Garment Makers
Manufacturer – Adult Entertainment & Related Products
Manufacturer – All Other
Massage Services – All Other
Nursing Home/Home Health Care Providers
Personal Companion Care Services
Personal Staffs/Family Trusts
Property Management Companies
Real Estate Agencies
Recreation/Membership Organization – All Other
Rent to Own Furniture Store
Rental Car Agencies
Restaurant – Fast Food
Restaurant – Full Service/Non-Franchise
Retail Store – Adult Entertainment & Related Products
Retail Store – All Other
Schools – College/University
Schools – Public School
Schools – School District
Schools – All Other
Security Guard Services – All Other
Security Guard Services – Body Guard Services
Security Guard Services – Private Investigators
Stockbroker/SEC Registered Investment Advisor
Temporary Employment Agency
Transportation/Trucking – All Other
Transportation/Trucking – Municipal Transportation Services
Transportation/Trucking – Taxi Service
Venture Capital Management