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What type of insurance do I need for my commercial trucks?
What kind of insurance should I get for my trucking company? I have a fleet of four commercial delivery trucks and want to start a trucking company of my own. How can I make sure I have enough coverage?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“One of the first things you should do is understand all state and federal government regulations for your new business venture. The DAT Authority and the U.S. Small Business Administration will have most of the information you need about safety, fuel use, taxes, compliance, and insurance.
Several types of insurance could be applicable for a trucking company, such as:
- Liability
- Cargo
- Physical Damage
- Non-trucking use
The amounts of coverage can depend on what you plan on hauling. It can be anything from mail parcels, food delivery, or furniture. $100,000 in insurance is the standard limit.
The most popular choices for liability coverage are $750,000 or $1 million. Commercial companies are a big target for liability claims, so the more coverage you can have there, the better!
Since you are new in this line of work, work closely with an
insurance agent
to ensure that your insurance provides adequate coverage.If you want help navigating the different commercial policies on the market, try the
Jerry
app. Jerry compares rates from the top companies and delivers the best deals to your phone in minutes.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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