Trucking Insurance

Comprehensive protection for owner-operators and trucking companies. From highway accidents to cargo theft, we cover the unique risks of the trucking industry.

Get Your Free Trucking Quote 1-800-252-6885

Coverage Types for Trucking

Build a comprehensive insurance package that protects every aspect of your trucking operation.

Commercial Auto Liability

Required by law. Covers bodily injury and property damage caused by your trucks in accidents.

Physical Damage

Covers damage to your trucks and trailers from accidents, theft, vandalism, and natural disasters.

Cargo Insurance

Covers cargo you're transporting against damage, theft, and loss. Required by most shippers.

Workers Compensation

Covers driver injuries, including loading/unloading injuries and highway accidents.

Umbrella/Excess Liability

Additional liability protection for high-value shipments and large trucking operations.

Trailer Interchange

Covers trailers you haul under interchange agreements with other carriers.

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Common Trucking Risks

Understanding these risks helps you choose the right coverage.

Serious accidents causing injuries or fatalities on highways

Jackknife accidents and rollovers

Cargo theft from trailers at rest stops and warehouses

Damage to cargo from accidents, weather, or improper loading

Hit and run accidents involving your trucks

Overweight violations causing equipment damage

Loading dock injuries and accidents

Uninsured motorist claims after accidents

Why Choose Greene & Associates?

DOT Compliance

Our policies meet FMCSA requirements so you can maintain your operating authority and pass audits.

Cargo Specialists

Coverage for perishable goods, hazmat, general freight, and specialized cargo with competitive rates.

Fleet Pricing

Volume discounts for growing fleets — add trucks without breaking the bank on insurance.

Frequently Asked Questions

What insurance do I need for my trucking business in Florida?

At minimum, you need commercial auto liability (required by law), physical damage coverage, and cargo insurance. Most shippers and brokers require cargo insurance before letting you haul their freight. Workers compensation is required if you have employees.

How much does trucking insurance cost?

Costs vary significantly based on the types of freight you haul, your operating radius, driver experience, and claims history. Owner-operators typically pay $8,000-15,000/year. Larger trucking companies with multiple trucks will have higher premiums.

Do I need cargo insurance if I haul for a freight broker?

Yes, most freight brokers require proof of cargo insurance before booking loads. Standard cargo insurance typically covers $100,000 per load, but you may need higher limits depending on the types of freight you haul.

What's the difference between physical damage and cargo insurance?

Physical damage covers your truck and trailer against damage from accidents, theft, and natural disasters. Cargo insurance covers the freight you're transporting. You need both for complete protection.