Coverage, explained.
Each coverage type protects a different part of your operation. Some are required by law, some are required by the brokers you load for, some you carry because the math works. Here is every coverage we get asked about, in plain English.
Commercial Auto Liability
Required for interstate carriers by the FMCSA, and for intrastate carriers by state rule. Covers bodily injury and property damage to others when you cause a covered accident.
Learn moreCargo Insurance
Protects the freight you haul if it is damaged, lost, or stolen in transit. Required by most brokers and shippers.
Learn morePhysical Damage
Covers repairs or replacement of your own truck after a collision, theft, fire, or weather event.
Learn moreBobtail Insurance
Covers your truck when you are driving without a trailer attached, on business.
Learn moreNon-Trucking Liability
Covers personal use of your truck when you are off dispatch. Pairs with a carrier-provided primary policy.
Learn moreGeneral Liability
Covers non-driving business risks: slips, falls, customer property damage, and other premises liability.
Learn moreWorkers Compensation
Pays medical and lost wages for injured employees. Texas does not require it but most carriers and brokers do.
Learn moreOccupational Accident
A 1099-friendly alternative to workers comp for independent contractors. Covers on-the-job injury and disability.
Learn more