Truck Insurance

We Can Insure The Following Classes Of Trucking Companies


  • Dirt, Sand & Gravel: dump trucks transporting dirt, sand gravel, or asphalt for-hire basis, with federal or state filing, tractors with end dump or bottom dump trailers, and heavy dump trucks with no trailer attached.
  • Straight/Box Truck: cargo vans, moving companies, with PUC/ICC filing for liability & cargo insurance.
  • Flat Bed: steel haulers, salvage haulers, scrap, recycle, building materials, coil steel, metal sheets, or machinery.
  • Towing services: towing provided by gas stations & auto repair shops, car carrier, a goose-neck trailer, on-hook.
  • Dry Van/ Reefer: standard general dry freight, refrigerated seafood, meat, or produce.
  • Auto Carrier: car haulers with single or double decks, including pickup trucks, 1-11 car carriers.
  • Owner Operator: leased to another trucking company, may need bobtail liability, physical damage, or primary liability, own authority owner operator.
  • Tractor- Trailer: trailer attached, low boy, flatbed, auto hauler, dump trailer, mobile home haulers-totters.
  • Hotshot Insurance: fast delivery, last mile, small trailer, pick up, boxed truck.
  • New Authority: new DOT authority, changing from intrastate to interstate.
  • New Drivers: new CDL, new class A License is less than 2 years.
  • Delivery Service: moving companies, household goods movers, and furniture delivery to customers' homes or work.
  • Household Movers: state PUC or federal ICC filing, cargo and liability ICC filing.
  • High-Risk Drivers: drivers with many violations, accidents, or bad safety scores.
  • Claim History: heavy losses in the last 3, high loss amount compared to premium.
  • Freight Brokers: broker surety bond of $75,000 available.
  • Agricultural Hauling: livestock hauling, coal hauling, refrigerated goods.
  • Waste Haulers: collecting from residential or commercial customers, containers from construction sites, septic waste contractors, recycle and scrap metal sale.
  • Local Trucking
  • Aggregate Hauler
  • Amazon Delivery
  • Service Trucks
  • Catering Trucks

Coverage Under the Truckers Policy Can Include The Following Options


Liability Combined Single Limit (CSL), Bodily Injury/Property Damage(BI/PD)

up to $2 million.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

up to $2 million.

Physical Damage Coverage

Collision, Comprehensive, Fire, and Theft, available deductibles from $100 to $5,000.

Rental Reimbursement with Downtime Coverage

up to $170 per day.

Medical Payments Coverage

up to $5,000.

Motor Truck Cargo Legal Liability Coverage

up to $250,000, coverage includes $25,000 Debris removal/pollution cleanup, $10,000 Earned Freight, $7,500 Sue & Labor Clause, $5,000 Equipment Protection, Packing Container $5,000, Loss Mitigation $7,500.

Motor Truck Refrigeration Breakdown Coverage

up to $250,000, with a $2,500 deductible and $2,500 additional coverage for temporary storage.

General Liability Coverage

up to $1 million/$2 million.

Non-Trucking Liability Coverage (NTL)

up to $1 million.

Trailer Interchange Coverage

up to $40,000.

Non-Owned Liability Coverage

up to $2 million.

On-Hook Towing Legal Liability

up to $200,000.

Garage-keepers Legal Liability Coverage

up to $250,000.

Hired Auto Liability Coverage

up to $2 million.

Any Auto Legal Liability Coverage

up to $2 million.

Drive Other Car Coverage

up to $2 million.

Transportation Expenses Coverage

up to $30 a day.

Additional Insured Endorsement

Waiver of Subrogation Endorsement

Permissive Use Coverage

Pet Injury Coverage

up to $1,000.

Truck Insurance Quick Reference



  • Trucking Auto Liability Insurance is a primary auto liability and covers 3rd party bodily injury and property damage resulting from the use of a truck for business purposes.
  • General Liability Insurance is business or premises liability and covers 3rd party bodily injury and property damage resulting from business activities unrelated to a truck.
  • Bobtail Liability Insurance is an auto liability and covers 3rd party bodily injury and property damage resulting from truck use for business while the truck is not loaded.
  • Non-Trucking Liability Insurance is an auto liability and covers 3rd party bodily injury and property damage resulting from truck use for non-business.
  • Truck Cargo Liability Insurance is a business liability and covers damage to 3rd party owned cargo.
  • Physical Damage Insurance is property insurance and covers damage to owned or leased trucks and trailers.
  • Workers’ Comp Insurance is business insurance and covers employees for injury, disease, disability, or death resulting from work only.
Saberlines Insurance Services

High-Risk Truck Insurance


Do You Need High-Risk Truck Insurance?

At Saberlines Insurance, we understand not all drivers are fortunate enough to get favorable truck insurance rates year after year. Some trucking company drivers may show a high history of claims, or drivers may have bad driving records, while some trucking companies may show bad DOT safety history in the last two years!

Truck insurance premiums could be a trucking company's most noteworthy fixed costs. Yet, sometimes, even insurance at a higher premium isn’t accessible!

What Is High-Risk Truck Insurance?

High-Risk Truck Insurance programs were made and controlled by states and insurance companies to give as far as possible the minimum limits legally necessary to operate a truck for hire on the highways!

Generally, High-Risk Truck Insurance auto liability limits of $750,000 are available to any driver or trucking companies that cannot find insurance in the standard or non-standard truck insurance markets.

This coverage can be valuable for youthful drivers, drivers with new CDL, or drivers with a bad driving record as long the driver's license is active and valid at the time of the insurance and remains so throughout the policy period with filing or without.

Higher Liability limits are accessible up to $2,000,000 through a similar program with written legal requirements or other insurance carriers if the insured qualifies!

Several states contract Saberlines Insurance to offer this truck insurance program, with our agents fully trained to provide it and commercial auto insurance to drivers who need it when they have no other choice!

“Commercial auto coverage to drivers who need it when they have no other choice.”

Owner Operator Insurance


With Own Authority

Saberlines Insurance recommends coverage based on federal, state, or broker requirements. For Owner Operator with their own Authority, the following is standard insurance coverage:

  • Truck liability limits of $750,000 CSL or higher as needed by federal and state law. A minimum of $750,000 CSL depending on truck gross or combined gross weight, including an attached trailer. However, most brokers require at least $1,000,000 of Truck Auto Liability with federal and/or state authority. Liability would cost the most in any truck insurance policy, and it is the only part that’s legally required. Currently, insurance market prices for $1,000,000 Truck Liability are between $6,750 to $9,300 a year, and some classes require higher liability limits costing more premiums. Hazardous haulers legally require limits above $1,500,000 in truck auto liability. Truck Auto Liability covers third-party damages resulting from trucking-related accidents.
  • Motor Truck Cargo insurance of $100,000 is the most common limit for hauling general freight, but we can offer higher limits if needed, which covers damage to Cargo.
  • Physical Damage covers damage to the tractor and trailer resulting from theft, vandalism, and collision, while trailer interchange or non-owned trailers are also covered under O/O Physical Damage.
  • General Liability Insurance coverage and additional Insured endorsement can be added if required, like when hauling shipping containers from the port or running a warehouse for storage, and covers third-party damages resulting from non-trucking related damages.
  • Workers' Compensation covers employee’s medical bills & lost pay from work-related injury or illness, and if not possible, Accidental Death & Disease Insurance (AD&D) should be considered to cover the O/O.

Need Owner/Operator Coverage? Contact us today to get started! for more information, please email us at, or call toll-free at 866-747-4242

Leased Owner Operator

Saberlines Insurance has a complete insurance package for O/O under a lease. If the driver owns the truck and the trailer is leased to another trucking company, then the leasing trucking company will provide the Truck Liability and Cargo Insurance coverage for the driver, but only. In contrast, the driver is on duty or dispatch. O/O under Lease will still need:

  • Motor Truck Cargo: Cover damage to Cargo may be needed if the leasing company is not providing it.
  • Physical Damage: Insurance covers the Truck and Trailer against theft, collision, and Vandalism.
  • Bobtail Liability Insurance: This will cover third-party damage caused by trucking business-related accidents when the truck is not loaded or not hauling a load. This coverage is affordable and can be added to the physical damage policy.
  • Non-Trucking Liability: Covers third-party damage resulting from non-trucking-related accidents. Bobtail is needed because the driver will not be covered under the leasing company’s Liability Insurance while he is not on duty.
  • Workers Compensation or Accidental Death & Disease insurance: The leasing company may not provide the driver with workers' compensation because the company could still classify the driver as an owner-operator, not an employee.

Owner Operator Or Company Driver?

The owner-operator is an independent business owner who owns his truck and trailer. He decides which load to haul, the hours, and even the route he wants to take. He keeps most of the money he makes after deducting the business expenses. This freedom comes with more responsibility, like long working hours, problem-finding loads, and higher overhead costs, especially at the beginning.

Owners and operators can lease equipment from other trucking companies or buy through third-party financing, which might affect their independence. Some owner-operators’ add more drivers and trucks to operate under their authority to increase their revenue but end up as a small fleet trucking company, which no longer fits as an owner-operator from the insurance perspective. Still, a group of owners’ operators pooled together!

We offer Occupational Accident to the owner-operator as an alternative to Workers’ Compensation. It can fill the coverage gap when Workers’ Compensation doesn’t. Occupational Accident Coverage may include:

  • Accidental Death and Dismemberment
  • Medical Expense
  • Total Disability

Please e-mail or call if you have any questions.

Owner operators leased to a trucking company will work under that company's authority and maybe put on the company uniform or display the company logo on the truck. A driver like this is a company driver since he has no control over his hours, loads, or routes. The overhead cost is much lower compared to an independent owner-operator. While the leasing company handles fixed expenses, and maybe the driver’s wages or salary will not increase forever, the company driver could still earn more after all expenses are deducted, especially during slow seasons.

All industries manipulate the classification of a company driver or owner-operator to avoid paying extra employment taxes and providing workers' compensation or employee benefits. Drivers need to get properly insured, not just by the limits required by the law, the leasing company, or the bank financing the truck or the trailer, but by considering proper health and life coverage to protect the most important assets of this industry, the drivers!

Physical Damage Insurance


Higher Limits, Lower Deductibles

Saberlines Insurance provides Physical Damage Insurance to trucks and trailers, which covers theft, collision, and vandalism. We insure all types of commercial vehicles, with physical damage insurance available for trucking organizations, from owner-operators with single tractor-trailers to fleet carriers. We also provide telephone instant quotes from numerous carriers for 1-5 trucks with accessible same-day coverage.

Truck Physical Damage Options


The collision insurance coverage covers repairs to commercial fleet vehicles if they are damaged in a collision, overturn, or roll.


Comprehensive coverage covers repairs or replacement of a vehicle if it suffers damages resulting from certain incidents that do not involve traffic collisions, such as fire, theft, or vandalism.

Fire And Theft With Combines Additional Coverage (CAC)

This coverage is named perils, and specific causes are named instead of a broad coverage. This is intended for lower premiums, as it doesn’t cover all causes of loss to a vehicle.

Physical Damage To Protect Assets

Physical Damage coverage is intended for damages to the truck or trailer. It helps cover the cost of repairs or replacement of damaged tractor-trailers and pays for losses due to theft, collision, or other causes.

Trailer interchange, unidentified trailer, or non-owned trailer coverage is a type of physical damage insurance. In the case of trailer interchange coverage, the truck owner needs a written agreement with the trailer’s owner. However, if non-owned trailer coverage should arise, there is no requirement for an agreement. Whereas coverage is available for owner-operators, truckers, or small fleet truck carriers, the trailer exchange must be combined with primary truck liability or motor truck cargo. For example, intermodal carriers need trailer interchange due to UIIA requirements and Truck Liability & General Liability. Other accessible Physical Damage optional coverage incorporates:

  • Cost of tow and storage.
  • Protection of Salvage.
  • Roadside assistance.
  • Non-trucking Liability.
  • Gap Coverage.
  • Mechanical Breakdown.
  • Tarps, Chains, and Binders.
  • Rental Reimbursement.
  • Personal Effect.

Truck Cargo Insurance


Motor Truck Cargo

Saberlines Insurance has Cargo Insurance solutions for Independent Owners, Operators, and other Trucking companies. Motor Truck Cargo or Cargo Insurance will pay for cargo damage resulting from theft, fire, collision, or damage to the cargo.

When buying cargo insurance, the trucking company should select enough coverage. The limit they select will determine the maximum amount the insurance agency will pay for the damaged or stolen cargo. The limit should be a good estimate of the maximum load value the trucking company may haul at any given time. If the limit is less than the load value at the time of a loss, then the claim will not be paid in full. It will be a percentage of the loss, normally equal to the coverage limit purchased divided by the total load at the time of the loss.

The trucking company must pick an applicable deductible depending on the average load value. A deductible is an amount the insured agrees to pay out of pocket at the time of a loss. Choosing higher deductibles is a known way to lower the insurance premium. The higher the deductible, the lower the premium, but freight brokers may ask for a deductible that doesn’t exceed $1,000.

Some trucking companies, like moving companies, may require Cargo ICC and/or State filling. Household Good Movers will need to file for both liability & cargo. Motor Truck Cargo is available with truck liability, physical damage, or on a separate cargo insurance policy.

Items Included Under Cargo Insurance

The Cargo Insurance policy will include extra loss-related coverage, and at the time of the loss, the following sub-coverage may apply:

  • Unattended Truck Endorsement
  • Loss Mitigation
  • Earned Freight
  • Debris Removal
  • Scheduled and Unscheduled Terminals
  • Packing Container
  • Storage
  • Towing Expenses
  • Reefer Breakdown
Saberlines Insurance Services

Motor Truck Cargo insurance is available for “for-hire trucking” companies with one or more truck types: dump trucks, Tractors, Box trucks, Cement mixers, Cargo Dry Vans and Reefers, pick-ups (Hotshots), Flatbeds, and Car Haulers.

The following cargo types can be added to the policy with additional premiums:

  • Art, jewelry, money, or paper
  • Contraband, pharmaceuticals, tobacco, alcohol
  • Live animals
  • Property while in the custody of any other carrier
  • Property or goods owned by the insured
  • Property not under Bill of Lading
  • Storage greater than 72 hours
  • Shipping containers
  • Explosive or radioactive materials

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