Semi-Truck & Tractor-Trailer Insurance
Insurance for 18-wheelers, OTR operations, and long-haul tractor-trailers. The backbone of American freight.
What It Covers
- Liability coverage for bodily injury and property damage caused by your semi-truck
- Physical damage protection for your tractor and attached trailer
- Cargo insurance for the freight you haul coast to coast
- Non-trucking liability (bobtail) when driving without a trailer
- Trailer interchange coverage when pulling someone else's trailer
- Uninsured/underinsured motorist protection
Who Needs This Coverage
Owner-operators running their own authority, fleet owners with OTR operations, and drivers leased to carriers who need occupational accident or supplemental coverage. If you operate a Class 8 tractor-trailer on interstate routes, you need this coverage.
Avg Fleet Size
1-50 trucks
Common Cargo
General freight, dry van, consumer goods
Typical Coverage Package
- Primary Liability ($750K-$1M+)
- Physical Damage (Comprehensive + Collision)
- Motor Cargo ($100K+)
- Non-Trucking Liability
- Trailer Interchange
- Medical Payments
- Uninsured Motorist
Frequently Asked Questions
How much does semi-truck insurance cost?
Semi-truck insurance typically runs $8,000-$15,000 per year for an owner-operator with clean history. Fleet rates can be lower per-unit. Factors include driving record, years of experience, type of cargo, and operating radius.
Do I need $750K or $1M in liability?
Federal minimum for general freight is $750,000. Hazmat and passenger carriers require $1M-$5M. Many brokers and shippers require $1M regardless, so most carriers opt for $1M to maximize load opportunities.
What is bobtail (non-trucking liability) insurance?
Bobtail or non-trucking liability covers you when you are driving your truck without a trailer for personal use, like going home after dropping a load. It does not cover you while dispatched or under load.
Can I get coverage with a new authority?
Yes. We work with carriers that write new authorities. Rates will be higher for the first 1-2 years, but we shop multiple markets to get you the best deal available for your experience level.
Get a Quote for Your Semi-Truck & Tractor-Trailer
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