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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

Generally yes. Flatbed cargo is more exposed to weather and theft, and load securement failures are a common claim. Cargo rates depend on the type of freight, with steel and machinery being higher risk than lumber.

Cargo insurance covers damage to freight from shifting, falling, or securement failure. Your liability policy covers damage to other vehicles or property if an unsecured load causes an accident.

Yes. Hauling oversized or overweight loads typically requires an endorsement on your cargo policy and may require higher liability limits depending on the commodity and route permits.

Reviewed by

Nazar Mamaev

President, 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.

Indianapolis, IN·317-427-5599·Get a Quote

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