Transportation

Trucking

For-hire motor carriers and owner-operators hauling freight.

Why it needs cover

The exposure

Trucking has catastrophic auto-liability severity, cargo exposure, and physical-damage risk on high-value equipment; FMCSA sets minimum liability and cargo limits.

What we place

Coverages this class usually needs

Commercial auto (primary liability)Required (FMCSA)

Third-party injury/property in accidentsCore, federally mandated

Motor truck cargoOften (contract/FMCSA)

Damage to hauled goodsFreight in transit

Physical damageOften (lender)

Own truck/trailerHigh-value equipment

General liabilityOften (contract)

Non-driving operationsPremises/loading

Workers' compensationRequired (with employees)

Driver injuriesInjury exposure

Non-trucking liability / bobtailOften

Off-dispatch useLeased operators

What it costs

National benchmark premiums

Rated on: Per truck / per vehicle

General liability

trucking GL averages ~$51/mo

Commercial auto

averages $816/mo ($9,794/yr); the industry benchmark averages about $421/mo for $1M liability

Total annual (typical)

owner-operators under own authority commonly $9,000-$17,000/yr per truck; leased operators $3,000-$5,000/yr; FMCSA typically requires $750,000+ primary liability

Workers' comp

driver WC/occupational accident varies; occupational accident often $1,600-$2,000/yr

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Owner Operator cost); MoneyGeek; AtoB; Progressive Commercial; Schneider.

When it goes E&S

Where this risk gets hard to place

New authority, hazmat, high-value cargo, and adverse loss history routinely place trucking in E&S; rising nuclear verdicts have hardened the market.

Contact

Talk to us about Trucking.

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