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What type of insurance do I need for my new semi-truck?
What kind of commercial insurance do I need for my new semi-truck? I just bought my rig and signed up with a new trucking company. I need to make sure my insurance is in order before my first day, but what kind do I need?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Congrats on the new rig! Commercial and semi-trucks need a different type of insurance with more specialized coverage than your standard auto policy.
You should look for a policy with at least the following limits:
- Liability Insurance
- Physical Damage Insurance
- Bobtail (non-trucking use)
- Cargo Insurance
Liability insurance covers other people and property when you are at fault for the accident. It is recommended to carry at least $750,000 for this coverage. However, more is always better.
Physical damage will cover your new truck and trailer from not only accidents but things like fire and theft as well.
Bobtail is the coverage you need when you aren’t in the hauling process and your trailer isn’t attached, but you are still on the road.
Cargo insurance covers exactly that: cargo! Depending on what you haul, the coverage you need will change. This coverage will protect the items in an accident and from losses like damage or theft.
Check-in with your employer to make sure you meet their requirements and work closely with your
insurance agent
as well. This is your truck and you should feel comfortable with the limits you are purchasing.”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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