Commercial Truck Insurance: Coverage for Fleets & Owner-Operators

IAT Insurance Group has been a leading provider of specialized insurance solutions for the commercial transportation industry for more than half a century.

With deep trucking industry expertise and a commitment to service, we offer a
wide range of insurance options designed to meet the unique needs of motor carriers, trucking
fleets, and independent operators. Our coverage is built for the specific exposures of each
operation—ensuring proper limits, accurate classifications, and long-term program stability.
Whether insuring a single truck or an entire fleet, IAT’s dedicated teams provide the protection
needed to keep your business moving forward.

Why is Insurance Important for Commercial Truck?

Insurance for commercial trucking offers specialized coverage options designed to protect the people and businesses involved in the transportation of goods and services. This type of insurance addresses the unique risks and challenges faced by independent contractors and commercial motor carriers, whether they operate a single truck or an entire fleet. It provides essential protection against liabilities, property damage, and losses related to the transportation industry, ensuring that businesses can continue their operations with confidence.

IAT’s Commercial Truck Solutions

Our trucking insurance solutions are designed to address the full spectrum of risks faced by commercial drivers - both from a motor carrier and owner-operator level. We understand that every operation is different, and our flexible, customizable coverage options reflect that diversity. From local and long-haul motor carriers to specialized haulers, we provide the right coverage to match the specific requirements of those on the road.

Commercial Trucking Operations We Insure

Finding the right trucking liability and cargo insurance depends on what you haul and how far you go. We provide tailored coverage for a diverse range of transportation businesses:

Local and Long-Haul Trucking Insurance

Whether you operate within a 100-mile radius or cross state lines, we provide flexible liability and physical damage solutions for for-hire motor carriers.

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Dry Van Trucking & Freight Insurance

Comprehensive protection for standard enclosed trailers, safeguarding your freight against theft, damage, and road accidents during transit.

Reefer & Refrigerated Truck Insurance

Tailored protection for temperature-sensitive hauling, including specialized coverage for cargo spoilage, breakdown, and climate-controlled equipment.

Flatbed Truck Insurance

Customized coverage for operators hauling oversized or irregularly shaped loads, addressing the unique cargo securement and liability risks of flatbed transport.

Intermodal

Coverage for shipments involving multiple modes of transportation, ensuring seamless protection across the supply chain.

Agricultural Haulers

Specialized insurance for carriers transporting agricultural products, from raw produce to livestock.

Owner-Operator & Independent Contractor Insurance

Specialized, competitively priced coverage designed for owner-operators to fulfill the specific insurance requirements of the motor carriers they are contracted with.

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Commercial Trucking Insurance & Coverage Solutions

Protecting your assets requires more than a one-size-fits-all policy. We provide a range of trucking-specific coverages designed to safeguard your drivers, your equipment, and the cargo you carry.

Trucking Liability Insurance

The foundation of every motor carrier’s policy. We provide essential protection against third-party bodily injury and property damage, ensuring your business meets all federal and state filing requirements.

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Non-Trucking Liability (NTL)

Vital protection for owner-operators. This provides liability coverage for your truck when it is being used for personal, non-business purposes or while not under dispatch.

Physical Damage

Protect your investment on the road. This covers your trucks and trailers against loss or damage from collisions, theft, fire, and natural disasters, helping you get back to work quickly after an accident.

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Motor Truck Cargo

Safeguard the freight that powers your business. Our cargo insurance protects the goods you haul against theft, damage, and transit-related perils, including specialized options for temperature-controlled loads.

Property

Coverage for buildings, terminals, and other property assets critical to the transportation operation.

General Liability

Comprehensive protection against a wide range of third-party claims, including bodily injury, property damage, and personal injury.

Crime

Protects against financial loss due to theft, fraud, or other criminal acts impacting the business.

Non-Trucking Business Auto

Specialized coverage for vehicles used in business activities outside of trucking.

Occupational Accident

A flexible, cost-effective solution for independent contractors. This coverage offers medical, disability, and survivor benefits for work-related injuries, helping owner-operators stay protected without the full cost of Workers' Comp.

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Contract Liability

Protects motor carriers in the event an independent contractor files for Workers’ Compensation claiming employee status.

Workers’ Compensation

Provides coverage for medical expenses, rehabilitation costs, and lost wages for employees injured on the job.

Partner with IAT Insurance Group

At IAT Insurance Group, our commitment goes beyond the policy. We offer flexible payment plans, dedicated Loss Control support, and market-competitive coverage enhancements tailored to meet the unique operational needs of truckers. Our expert underwriters and Loss Control staff are strategically positioned across the country to ensure responsive, personalized service that keeps truckers moving.