Explore Our Commercial Trucking Insurance Coverage

Physical Damage Insurance

Physical damage truck insurance, sometimes referred to as collision coverage, pays to fix or replace damaged tractors and trailers. It covers your rig 24/7, whether operating for personal or business use. In addition you can enhance your physical damage protection with a variety of coverage options:

Extended Towing

While accidents can occur anywhere in the country you may prefer to have your vehicle repaired at a shop closer to your home. Extended towing coverage pays to tow your vehicle from the scene of a covered loss to any repair location of your choice within 2,000 miles. Extended towing coverage can be added to your physical damage policy.


You can add downtime coverage to your physical damage policy to give you added protection against lost income if you have a covered loss. Downtime coverage can help you keep your truck payment and other bills current if a covered loss renders your vehicle inoperable for an extended period of time.

Loan Gap

Sometimes trucks depreciate faster than truck loans. Loan gap coverage can help assure that a total physical damage loss does not leave you owing your lienholder more than the claim settlement value of your truck.

Emergency Expense Reimbursement

This coverage reimburses you for any extra lodging, transportation and telephone expenses you might incur as a result of a covered physical damage loss. Add emergency expense reimbursement coverage to your physical damage policy today.

Truck Rental Reimbursement

Having a physical damage loss doesn't mean you have to stop trucking. When you add truck rental reimbursement coverage to your physical damage policy you can rent a replacement vehicle and receive reimbursement for a large part of the rental cost.

Roadside Assistance

This coverage will reimburse you for roadside assistance services if a designated truck or trailer is rendered inoperable owning to a mechanical malfunction that occurs more than 100 miles away from the address listed on the policy.

No Deductible Glass

This option allows you to eliminate the deductible for windshields.


This coverage extends your truck physical damage protection to scheduled personal items (computers, tools, televisions, etc.) you keep in your truck.

Tarps, Chains and Binders

An essential coverage for anyone who operates a flatbed trailer as these items are frequently lost or stolen. When you add Tarps, Chains and Binders coverage to your physical damage policy you will have important protection for these expensive components.

Non-Trucking Liability Insurance

Non-Trucking liability truck insurance provides a permanently leased owner operator with a limited form of liability protection. Specifically it applies when a covered vehicle is operated solely for personal and non-economic purposes. Non-trucking liability truck insurance never applies when an owner operator pulls a loaded trailer, operates on behalf of a trucking company or uses a vehicle for any revenue generating purpose like trip leasing. These types of activities normally fall under the primary auto liability truck insurance provided by a trucking company.

Occupational Accident Insurance

Occupational Accident Truck Insurance provides owner operators with an affordable source of indemnification for work accident injuries. This coverage offers important benefits for Accidental Death and Dismemberment, Accident Medical and Accident Disability Income. It is suitable and effective for owner-operators who do not fall under the requirements of worker's compensation statutes.

Worker’s Compensation Insurance For Fleet Owners

Most states require fleet owners with employee drivers to carry workers compensation insurance. This coverage option is available only to fleet drivers participating on our select motor carrier sponsored occupational accident programs. Please call to request an application.

Passenger Accident Insurance

Passenger accident insurance is designed to cover friends and family members who travel as passengers in an owner operator’s truck. If a non-driving passenger is injured this coverage helps pay the medical bills.

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