Commercial Insurance for Trucks

Commercial insurance for trucks can help cover the cost of a vehicle accident that occurs while you or an employee operates a company-owned truck for work. This coverage is a type of commercial auto insurance designed for trucks used for business purposes.

Commercial truck insurance helps protect your small business against claims of property damage and medical expenses, even if it’s a fatal accident.

The Hartford offers commercial truck insurance for businesses of all sizes. Whether you’re looking for coverage for your entire fleet or trying to protect freight in transport, we can help. To make sure you’re getting the coverage you need, find a local agent who will work with you to understand your business and get you the best protection possible. Or, if you’re a small business and would rather start the process online, you can get a quote today from our partner, Tivly.

What Is Truck Liability Insurance?

If your business owns and operates any cars or trucks, you will need to have liability insurance to help cover costs resulting from an accident. This insurance coverage helps cover trucking risks like bodily injury or property damage that you or your employee cause while operating a company-owned truck for business purposes. Truck liability insurance gives business owners peace of mind knowing that your drivers are protected while they’re on the road.

How Does Commercial Truck Insurance Work?

This coverage offers financial protection against different risks associated with operating commercial trucks and business vehicles. Whether you’re distributing product to stores or transporting supplies from your warehouse, it’s important to make sure you’re covered if an accident happens.

A commercial truck insurance policy has coverage limits that outline coverage amounts for claims within those limits. Policyholders pay their premium monthly or annually for commercial truck insurance coverage.

Types of Vehicles Covered

Commercial truck insurance can be customized based on the type of vehicle(s) your company owns and operates for business. The different types of commercial vehicles covered under business truck insurance include:

Dump Truck

Dump truck insurance can provide coverage for liability and physical damage for your business. Common types of businesses who may need dump truck insurance are landscapers, construction, and material haulers.

Box Truck

If you or your drivers are involved in an accident while driving your company-owned box truck for work, box truck insurance can help. Box truck insurance provides liability coverage plus other types commercial auto insurance coverage.

Tow Truck

If your auto body shop, salvage business or roadside service company owns a tow truck, it’s a good idea to protect your vehicle. With tow truck insurance, you will be protected if an accident causes bodily injury or property damage to a customer or third-party while on the job.

Semi Truck

Semi truck insurance financially protects your business if an accident caused by you or one of your drivers causes injury or property damage to others.

Tractor Trailer

Tractor trailer insurance can help cover the costs from liability claims if you or one of your employees gets into an accident while driving your company-owned tractor trailer.

How Much Does Business Truck Insurance Cost?

What you pay for commercial truck insurance will often vary because some factors may have more influence on costs than others. Insurance companies use different factors to calculate the cost for business truck insurance, including:

Truck type
Cargo type
Operating radius
Driving history
Coverage requirements
USDOT authority

How To Save on Truck Commercial Insurance

Anyone who operates a truck knows that the industry can be expensive given the risks that come with the job. There are a few things you can do to help save money when buying commercial truck insurance, like:

Monitoring your employees driving records
Adjusting your coverages
Having a truck fleet
Hiring safe drivers
Implementing risk management policies
Paying your insurance in full at renewal

Get a Commercial Truck Insurance Quote

We understand the unique risks that truck drivers face when out on the road. Protecting your business and your drivers while you get to where you need to be is important. Find a local agent today to get a commercial truck insurance quote. Or if you’re a small business owner and prefer to get a quote online, you can do so through our partner, Tivly.

Last Updated: January 5, 2024

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