Commercial Trucking Insurance
Specialized coverage tailored to the unique needs of trucking businesses, designed to keep your operations moving forward with confidence.
Understanding Commercial Trucking Insurance
Commercial trucking insurance is a specialized form of coverage designed specifically for businesses operating commercial trucks, semi-trucks, 18-wheelers, and other heavy-duty vehicles. Unlike standard auto insurance, trucking insurance addresses the unique risks and challenges faced by the transportation industry, including cargo protection, liability concerns, and equipment safeguarding.
At Afore Insurance, we understand that your trucks are not just vehicles—they’re the backbone of your business. That’s why we’ve developed comprehensive insurance solutions that protect your investment, your drivers, and your bottom line. With decades of experience serving the transportation sector, our specialized team has the expertise to navigate the complex regulatory requirements and operational challenges unique to trucking companies.
Whether you’re an owner-operator with a single truck or managing a large fleet of vehicles, Afore Insurance offers customized coverage options that scale with your business while providing the protection you need to operate with confidence in today’s challenging transportation landscape.
Essential Coverage Types for Trucking Operations
Primary Liability Insurance
Primary liability coverage is not just required by law—it’s your first line of defense against financial catastrophe. This fundamental coverage protects your business when your drivers are responsible for accidents resulting in bodily injury or property damage to others. Federal regulations require a minimum of $750,000 in liability coverage for most interstate commercial trucks, though many operations choose higher limits for adequate protection.
Afore Insurance helps trucking companies determine the appropriate liability coverage levels based on your specific operations, the types of cargo you transport, and the routes you travel. Our risk assessment process identifies potential exposure areas and ensures compliance with federal, state, and contractual requirements while providing peace of mind that your business is protected against devastating liability claims.
Physical Damage Coverage
Your trucks represent a significant capital investment, and protecting them is essential for business continuity. Physical damage coverage includes both collision and comprehensive protection. Collision coverage pays for repairs to your truck if damaged in an accident, regardless of fault. Comprehensive coverage protects against non-collision incidents such as theft, vandalism, fire, or natural disasters.
With the average new commercial truck costing upwards of $150,000, going without physical damage coverage puts your business at substantial financial risk. Afore Insurance offers flexible physical damage policies with customizable deductibles that help balance premium costs against your company’s risk tolerance and cash flow considerations.
Cargo Insurance
The freight you transport is your customer’s property, and you’re responsible for its safety from pickup to delivery. Cargo insurance protects against loss, damage, or theft of goods while in transit. Most shippers and brokers require carriers to maintain cargo coverage, typically with minimum limits between $100,000 and $250,000.
Afore Insurance’s cargo policies can be tailored to accommodate the specific types of freight you haul, including specialized coverage for refrigerated goods, hazardous materials, high-value items, and oversized loads. Our policies include protection during loading and unloading operations and can extend coverage to temporary storage situations when goods remain in your custody.
Motor Truck General Liability
While primary liability covers incidents directly related to the operation of your trucks, motor truck general liability extends protection to cover risks associated with your premises, operations, products, and completed operations. This coverage addresses claims arising from slip-and-fall accidents at your facilities, damage caused during loading or unloading operations not involving the vehicle itself, and liability stemming from repair or maintenance work performed by your employees.
With increasingly complex contractual requirements from shippers and brokers, general liability has become an essential component of a comprehensive trucking insurance program. Afore Insurance integrates this coverage seamlessly with your other policies to eliminate potential coverage gaps while avoiding costly overlaps.
Why Afore Insurance Stands Apart
With over 25 years of experience serving the transportation industry, Afore Insurance brings unmatched expertise to trucking insurance. Our specialized underwriters understand the unique challenges facing motor carriers, and our claims team is available 24/7 to ensure rapid response when incidents occur. We partner with financially stable insurance carriers rated A or better by A.M. Best, ensuring claims-paying ability when you need it most.
Specialized Coverage Options for Modern Trucking Operations
Non-Trucking Liability (Bobtail Insurance)
When your drivers operate trucks outside of dispatch—such as driving home after completing a delivery or traveling to maintenance facilities—your standard liability insurance may not provide coverage. Non-trucking liability, often called bobtail insurance, fills this critical gap by covering accidents that occur when the truck is being operated for non-business purposes.
For owner-operators leased to motor carriers, this coverage is particularly important as the carrier’s insurance typically only covers operations while under dispatch. Afore Insurance works closely with independent contractors to ensure they understand when their leased carrier’s insurance applies and when their non-trucking liability coverage becomes essential.
Trailer Interchange Coverage
The modern transportation network often requires trucking companies to pull trailers owned by other entities. Trailer interchange coverage protects you when using non-owned trailers under a written interchange agreement. This specialized coverage addresses physical damage to these trailers while in your possession, ensuring you’re not financially responsible for repairs or replacement of borrowed equipment.
Afore Insurance’s trailer interchange policies can be structured to match the specific interchange agreements you maintain with partners, ensuring seamless coverage that aligns with your contractual obligations and operational reality.
Truckers General Liability
As trucking operations become more complex, exposure to general liability claims continues to increase. Truckers general liability coverage extends beyond standard auto liability to include premises liability, completed operations, and products liability. This coverage is essential for trucking companies that maintain terminals, warehouses, or perform services beyond basic transportation.
The experts at Afore Insurance conduct thorough risk assessments to identify potential general liability exposures unique to your operation and develop comprehensive coverage solutions that address these risks without unnecessary overlaps with your auto liability policy.
Risk Management and Cost Control Strategies
Effective trucking insurance involves more than just purchasing policies—it requires a comprehensive approach to risk management. Afore Insurance partners with clients to implement proven strategies that not only reduce accident frequency but also help control insurance costs over the long term.
Our risk management consultants work directly with trucking companies to develop customized safety programs, driver training initiatives, and technology implementation strategies. We help identify operational improvements that can qualify your company for premium discounts while simultaneously reducing the likelihood and severity of claims.
Safety technology has revolutionized the trucking industry, and Afore Insurance rewards companies that invest in these advancements. From electronic logging devices and dash cameras to collision avoidance systems and telematics, we recognize the value these technologies bring to risk reduction and reflect that value in our pricing models.
Claims Management Excellence
When incidents do occur, Afore Insurance’s specialized transportation claims team makes all the difference. Our industry-specific claims adjusters understand the unique aspects of trucking operations and work diligently to resolve claims quickly and fairly. This approach minimizes business disruption and helps control claim costs, which ultimately affects future premium levels.
For severe accidents, our rapid response team can be deployed to the scene to document evidence, interview witnesses, and coordinate with authorities. This immediate intervention often proves invaluable in defending against unfounded claims and ensuring accurate liability determinations, particularly important in today’s litigious environment where commercial vehicles are frequently targeted for excessive damages.
Partner with Afore Insurance for Comprehensive Trucking Protection
Your trucking operation faces unique challenges that require specialized insurance solutions. Afore Insurance brings decades of transportation industry expertise to every client relationship, ensuring you receive not just insurance policies, but a comprehensive risk management partnership.
Our dedicated trucking insurance specialists will work closely with you to understand your specific operation, identify potential exposures, and develop a customized insurance program that provides optimal protection while respecting your budget constraints. From owner-operators to large fleets, we have the knowledge and carrier relationships to deliver insurance solutions tailored to your needs.
Don’t leave your trucking operation’s financial security to chance. Contact Afore Insurance today to schedule a comprehensive insurance review and discover how our specialized trucking coverage can protect your business while supporting your growth objectives.