Trucking Business Insurance
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Commercial auto insurance for trucking companies

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Commercial auto insurance

Commercial auto insurance covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident.

Commercial auto insurance provides critical protection in an accident

Your truck drivers might be the best on the road – but they still have to contend with other drivers. An accident could lead to another person getting seriously injured, or your semi truck getting totaled.

Your trucking company could end up paying thousands of dollars, especially if another person is injured. Compared to the low monthly cost of an insurance premium, it’s easy to see why commercial auto insurance is the better deal.

How does commercial auto insurance protect you?

Commercial auto and trailer coverage helps pay for the cost of lawsuits, property damage, medical bills, and other expenses arising from an accident. It also covers vehicle theft, along with repairs from vandalism and weather events.

Your policy can be customized to match your business. For example, a truck that operates within state lines may need less coverage than a freight truck with an extensive interstate route.

Commercial auto insurance needs checklist infographic

Who needs commercial auto insurance?

Company-owned vehicles such as semi trucks and delivery trucks must be covered by commercial auto insurance.

You may need commercial auto insurance if you:

  • Operate a commercial truck or company vehicle
  • Offer haul trucking and freight services
  • Transport or deliver goods

State regulations determine how much coverage you need. Your commercial auto insurance must meet your state’s liability insurance requirements.

What coverage can commercial auto provide for trucking businesses?

You can tailor your commercial auto insurance policy to match the needs of your commercial trucking business. Your policy may cover:

Legal expenses

If your small trucking business is sued over an accident, legal defense fees can add up quickly. You could also end up having to pay a settlement or court-ordered judgment.

Medical expenses

If an accident injures your truck driver or any passengers, your policy can cover the cost of medical care.


Collision coverage pays for damage to your freight truck or other company vehicle, regardless of who is at fault.

Uninsured motorists

This coverage pays for damage caused by drivers who don’t have insurance.

Non-collision damages

Comprehensive insurance covers non-collision damages, including vandalism, theft, and fire.

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Personal or rented vehicles may need additional coverage

Commercial auto insurance only covers business-owned vehicles, but sometimes employees drive their own vehicles for business purposes. Personal auto policies almost always exclude coverage for business use.

Hired and non-owned auto insurance provides liability coverage for trucking professionals who get into an accident while driving a personal vehicle to conduct company business. It also covers leased and rented vehicles.

Other important policies for trucking firms

While commercial auto insurance is crucial for trucking businesses, it does not cover risks beyond those related to your vehicles. You should also consider:

General liability insurance: This policy covers legal expenses from common third-party accidents, such as a client injured from a fall in your dispatch office or storage facility.

Business owner’s policy (BOP): Small business owners can often bundle general liability insurance with commercial property insurance in a BOP. This bundle costs less than buying the policies separately.

Workers' compensation insurance: Workers' comp covers the cost of job-related injuries. Most states require this coverage for businesses that have employees.

Trucking firms typically also purchase marine cargo insurance, which covers property in transit that the firm is legally responsible for insuring, and trailer interchange coverage, which pays for physical damage to a trailer that the truck driver doesn't own.

Get free quotes and buy online with Insureon

Are you ready to safeguard your company’s trucks and drivers with commercial auto insurance? Complete Insureon’s easy online application today. Once you find the right policy, you can begin coverage in less than 24 hours.

Updated: August 30, 2023
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