Trucking Insurance

Trucking insurance is not a one-size-fits-all product.  There are many variables that go into rating, and insuring, a risk properly.  At Hometown Insurance, we have markets for all types of trucking insurance to include non-trucking liability, owner/operators, fleet, and anything in between.


Protecting your trucking operation from the impact of potential claims should be the first order of business.  And while only a precisely crafted insurance package
can shield your business from this expense and stress, it’s usually the last thing business owners handle.


What types of trucking insurance is there?


There are many types and levels of trucking insurance available.  Below is a basic summary of trucking insurance:

  • Primary trucking Liability insurance is required and mandated by state and federal regulation.  Levels of coverage vary depending on vehicle GVW, commodity, and operations. Primary trucking liability is coverage that protects you when you cause damage to another party.
  • Non-Trucking Liability insurance covers a leased-on unit for damage done to others when not under dispatch of a motor carrier.
  • Physical Damage insurance is coverage for your truck/trailer in the event of a theft, at fault collision, vandalism, etc.
  • General Liability insurance protects you when damage is done to others that does not involve your truck or trailer.  Truckers general liability is very affordable coverage no trucking operation should go without! One example could be a collision caused by your driver who is waiving a car around when broken down on a two-lane road.
  • Cargo Insurance covers freight while in transit.  There can be many exclusions to this coverage, so you’ll want to make sure your agent knows what you’re hauling.

Again, the above coverage is the most basic coverage for trucking insurance.  At Hometown Insurance, we make sure we understand your operation and create a fully comprehensive coverage plan for your specific trucking operation.


Why We're Different


You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…


While most trucking insurance products are similar in function, insurance providers are very different when it comes to structuring a policy that actually covers you.


There’s no such thing as a one-size-fits-all trucking insurance policy.


We want to be your trusted insurance advisor.  Every trucking operation needs strategic partners to run well.   We care. No matter who answers the phone at Hometown Insurance, you can guarantee they care about you and your business. You may not always like what you hear, but you’re going to hear honesty. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.


Contact us and let one of the trusted insurance advisors at Hometown Insurance help you create a custom plan to help you protect the things you are working hard to build.

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