Flatbed Truck Insurance
Flatbed truck insurance is liability, cargo, and physical damage coverage for flatbed operations hauling oversized loads, building materials, machinery, and more.
What It Covers
- Liability coverage meeting federal requirements for flatbed operations
- Cargo insurance tailored to open-deck freight and securement risks
- Physical damage for your flatbed trailer and tractor
- Load securement failure coverage
- Oversized/overweight load endorsements
- Equipment and tarping coverage
Who Needs This Coverage
Flatbed carriers hauling steel, lumber, machinery, building materials, and other open-deck freight. Owner-operators with step-decks, lowboys, and RGN trailers need specialized cargo coverage that accounts for securement and weather exposure risks.
Avg Fleet Size
1-30 trucks
Common Cargo
Steel, lumber, machinery, building materials, pipes
Typical Coverage Package
- Primary Liability ($750K-$1M)
- Motor Cargo with open-deck endorsement
- Physical Damage (Comprehensive + Collision)
- Non-Trucking Liability
- Tarps and Chains Coverage
- Oversize Load Endorsement
Frequently Asked Questions
Reviewed by
Nazar MamaevPresident, Full Coverage LLC
TRIP, CDS, TRS Certified · Licensed in every state but AK, HI and MA
Nazar Mamaev is a licensed trucking insurance broker and President of Full Coverage LLC.
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