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Industry Expertise

Transportation & Trucking

Trucking and transport operators must carry commercial auto liability, and interstate carriers face federal FMCSA minimums — commonly $750,000 or more depending on cargo — before they can legally run. Shippers and brokers won't tender a load without proof of auto liability and cargo coverage, and in California workers' comp is required the moment you put a driver on payroll.

Coverage to Consider Schedule Consultation

Who this coverage is for

This fits trucking companies, owner-operators, and freight and delivery carriers, along with courier and last-mile services. It also suits logistics operators and businesses running their own delivery fleets.

What it can help protect

Transportation coverage protects the vehicles, the freight, and the drivers:

  • Commercial auto liability — covers injuries and property damage you cause in an accident, and meets federal filing requirements.
  • Cargo coverage — helps pay for freight that's damaged, lost, or stolen in your care.
  • Physical damage — repairs or replaces your trucks and trailers after a collision, theft, or other covered event.
  • General liability — covers non-driving risks like injuries at your yard or dock, and third-party property damage.
  • Injured drivers and staff — workers' comp for on-the-job injuries, required by California law once you hire.

Key industry risk considerations

A licensed review will usually focus on vehicle classes, driver profile, radius, and maintenance controls, cargo or customer property handling, and hiring/retention and safety management.

Coverages for this industry

The coverages most relevant to Transportation & Trucking, tiered by priority. Start a quote on any one, or have an advisor review the whole stack.

Core Often required

Commercial Auto Insurance

Required for registered commercial vehicles.

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Core

General Liability Insurance

Non-driving third-party injury and property damage.

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Core Often required

Workers' Compensation Insurance

Required for drivers and staff.

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Recommended

Commercial Umbrella / Excess Liability

Higher limits often required by shippers and contracts.

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Recommended

Inland Marine / Tools & Equipment

Covers cargo and equipment in transit.

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Situational

Cyber Liability Insurance

If you manage logistics data and systems.

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Have an advisor review the whole stack →

Common Questions