Trucking Insurance

Insurance for
motor carriers

Owner-operators to regional fleets—we have deep carrier relationships in trucking. This is where Flatland started, and it's still our strongest bench.

Get a Quote

Coverage Guide

What truckers typically need

Coverage	Required?	What It Does
Primary Liability	Required	Covers bodily injury and property damage to others. FMCSA requires $750K-$1M+ depending on cargo type.
Physical Damage	Optional	Comprehensive and collision for your tractor and trailer. Required if financed.
Motor Truck Cargo	Required	Covers the freight you haul. Required for most broker/shipper contracts.
Non-Trucking / Bobtail	Optional	Covers you when driving for personal use—not under dispatch. For leased owner-operators.
Trailer Interchange	Optional	Covers trailers you pull that you don't own—under interchange agreements.
Occupational Accident	Optional	Medical and disability coverage for owner-operators (not W-2 employees).

New Authority

Just got your MC number?

New authority trucking insurance is harder to place—fewer carriers will write you, and rates are higher. We work with markets that specialize in new ventures and can usually find coverage even with limited operating history.

We'll also help you understand the FMCSA filing requirements (BMC-91 or BMC-91X) and make sure your filings are in order.

What we need from you

• MC/DOT number (or pending application)
• Driver information (MVRs, CDLs, experience)
• Equipment list (year, make, VIN)
• Radius of operations
• Commodity types you'll haul
• Estimated annual mileage

Operations

All trucking operations

Long Haul

Regional

Local/Short Haul

Refrigerated (Reefer)

Flatbed

Tanker

Hazmat

Auto Haulers

Intermodal

Dump Trucks

Moving & Storage

Hotshot

Ready for a quote?

Tell us about your trucking operation. We'll shop the market and find coverage that fits your equipment, your lanes, and your budget.