Trucking insurance coverage.

TruckCargoLiability

Physical damageMotor truck cargoPrimary auto liability

Your equipment

Example situationsMy truck is damagedThe freight is damagedSomeone else's vehicle is damaged

Your equipment01 / 03

Physical damage

Your truck is your livelihood. Physical damage coverage can help repair or replace insured equipment after a covered loss.

Example situation

Your insured truck hits a barrier. Collision coverage may help with repairs, subject to the policy and deductible. Damage to freight is a separate question.

• Collision damage to your insured truck or trailer
• Theft, fire, and other losses under the coverage selected
• Equipment values and deductibles tailored to your policy

This is coverage for your equipment, not the freight inside it or your liability to others.

Get a quote for this coverageExplore physical damage coverage

The freight you haul02 / 03

Motor truck cargo

Every load carries responsibility. Cargo insurance can help cover your liability for covered loss or damage to freight you transport.

Example situation

Freight is damaged during a collision. Cargo coverage may respond to your liability for that loss, depending on the commodities, limits, and exclusions in your policy.

• Coverage matched to the commodities you carry
• Limits reviewed against your loads and contracts
• Special requirements for refrigerated or higher-value freight

Cargo insurance does not replace coverage for the truck. Spoilage and other special risks may need additional coverage.

Get a quote for this coverageMore about cargo coverage

Your responsibility to others03 / 03

Primary auto liability

When an accident affects someone else, primary auto liability can help cover bodily injury or property damage you are legally responsible for.

Example situation

Your truck damages another vehicle and you are legally responsible. Primary auto liability may respond to that covered claim, not the repair of your own truck.

• Covered injuries to other people
• Covered damage to another person's vehicle or property
• Policy limits reviewed around your operation

Primary auto liability does not pay for damage to your own truck or the freight you haul.

Get a quote for this coverageMore about primary liability

Coverage depends on your policy, operation, state, limits, deductibles, and exclusions. These are general examples, not a coverage determination. A quote request does not bind insurance.