COMMERCIAL TRUCK INSURANCE

Whether you’re just starting your trucking company or you’re an established motor carrier or owner operator leased to another motor carrier, our transportation risk specialist can help you get the commercial trucking insurance coverage you need. We make timely filings of federal and state financial responsibility and have various payment options to meet your needs.

OUR COMMERCIAL TRUCK INSURANCE OFFERINGS:

COMMERCIAL TRUCK LIABILITY INSURANCE

  • PRIMARY LIABILITY
  • BOBTAIL (NON-TRUCKING) LIABILITY
  • HIRED AUTO
  • NON-OWNED AUTO

PHYSICAL DAMAGE

  • COLLISION, COMPREHENSIVE OR SPECIFIED PERILS
  • NON-OWNED TRACTOR OR TRAILER
  • RENTAL REIMBURSEMENTS
  • GAP COVERAGE
  • TOWING COVERAGE

MOTOR TRUCK CARGO INSURANCE

  • REEFER BREAKDOWN
  • LOAD CONTAMINATION
  • WETNESS
  • POLLUTION CLEANUP
  • DEBRIS REMOVAL

OTHER COVERAGES

  • GENERAL LIABILITY
  • COMMERCIAL PROPERTY
  • WORKERS COMPENSATION
  • OCCUPATIONAL ACCIDENT
  • SURETY BONDS

OUR COMMERCIAL TRUCK INSURANCE PARTNERS


Acuity
EMC Insurance Companies
Continental Western Group
Auto Owners Insurance
The Cincinnati Insurance Company
Progressive
United Heartland
Amerisafe
SFM
 
 
 

FREQUENTLY ASKED QUESTIONS

If you’re an independent driver leased to a motor carrier, your motor carrier likely provides Primary Liability insurance coverage, determined by the lease agreement. Liability insurance covers injuries or damage to other people and/or property if you’re at fault during an accident. However, you may need to purchase coverage to protect yourself to the fullest. We can help you review your motor carrier’s insurance agreement and determine if you need more protection.

If you’re an owner operator working under your own authority, you’ll need to carry your own commercial trucking insurance, including liability insurance, physical damage coverage, motor truck cargo insurance and motor truck general liability insurance.

There are a number of insurance mandates required of motor carriers and for-hire trucking companies. Ryder Rosacker can help you navigate the requirements. We also offer a number of optional recommendations to better protect your business. The list above provides a glimpse into our insurance offerings. Use our commercial truck insurance quote form to arrange a free consultation.

The Motor Carrier Act of 1980 states that each motor carrier participating in interstate, for hire commerce, is required to show proof that they have the financial responsibility equal to or greater than minimums set by each state. The Act mandates every business auto policy for carriers engaged in transporting property on an interstate basis submit a MCS-90 endorsement form. Ryder offers complete assistance with these types of state and federal filings.

A MCS-150, Motor Carrier Identification Report, is the form trucking companies must complete to obtain a US DOT number, the unique identifier for your company. As the name suggests, the MCS-150 asks for specific information about your motor carrier operation. The information you list on your MCS-150 provides the Federal Motor Carrier Safety Administration (FMCSA) with the details of your operation. Regulation requires MCS-150 information to be updated every two years, based on a schedule in §390.19 of the Federal Motor Carrier Safety Regulations (FMCSRs).

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