Flatbed Truck Insurance
Insurance 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 47 States
Nazar Mamaev is a certified trucking insurance broker who has helped thousands of motor carriers find the right coverage at competitive rates.
Get a Quote for Your Flatbed Truck
We compare rates from 30+ A-rated carriers to find the best coverage for your flatbed truck operation.