Iron Guard Insurance helps U.S. trucking businesses, owner-operators, and fleets find commercial trucking insurance coverage suited to their operation — from a single truck to a growing fleet.
Running a commercial truck means carrying risk on every load — on the highway, at the dock, and everywhere in between. Federal regulations set minimum insurance requirements for most motor carriers, and shipper or broker contracts often add requirements of their own. Iron Guard Insurance works with U.S. trucking businesses to help identify commercial trucking insurance coverage that fits their operation, their contracts, and their budget.
An overview of the major coverage types trucking businesses commonly carry. Availability, limits, and terms vary by insurer, state, and operation.
Commercial auto liability is the foundation of trucking insurance. It responds to third-party bodily injury and property damage claims when your truck is involved in an accident you're legally responsible for.
The FMCSA sets minimum liability requirements for most interstate motor carriers, and many shippers and brokers require additional limits before they'll tender freight to you.
Physical damage coverage helps pay to repair or replace your insured truck, tractor, trailer, or other covered vehicle after a covered loss — such as collision, theft, vandalism, fire, or other covered events.
Coverage is typically structured on a comprehensive and collision basis, subject to your policy's deductibles, exclusions, and limits.
Motor truck cargo coverage is designed to help protect freight being transported by a motor carrier. It can respond to covered loss of or damage to cargo while in transit.
Coverage — including what's included, excluded, and the applicable limits — is subject to the specific terms and conditions of the policy, which vary by commodity and carrier.
General liability coverage addresses certain third-party bodily injury and property damage claims that arise from your business operations but fall outside situations covered by auto liability — for example, an incident at a yard, terminal, or customer site.
Many shipper and broker contracts require a general liability policy that meets specific limits and additional-insured provisions.
Bobtail liability and non-trucking liability are related, but not identical, coverages for owner-operators leased to a motor carrier. Bobtail liability generally applies when the tractor is being driven without a trailer attached and outside dispatch.
Non-trucking liability generally applies when the truck is being used for personal purposes and is not operating within the scope of the motor carrier's business. Which coverage fits your situation depends on your lease agreement and how the vehicle is used — we can help you sort out which applies.
Workers' compensation coverage can help pay medical expenses and a portion of lost wages for eligible employees who suffer a work-related injury or illness, subject to policy terms and applicable state law.
Workers' compensation requirements vary by state — some states require coverage for nearly all employers, while others apply different thresholds or offer alternative programs. We can help you understand what applies to your operation.
Whether you run one truck or manage a growing fleet, insurance is one of the foundations your business is built on. Proper coverage supports regulatory and contractual compliance, helps manage risk, and can reduce how often an incident keeps your trucks parked. No coverage can eliminate risk entirely — the goal is building a stack that fits your operation.
Your truck is your business. Adequate coverage helps protect your equipment, your authority, and your income if an accident or cargo claim occurs.
Growing companies take on new contracts, drivers, and equipment. Coverage that scales with you supports that growth without adding unnecessary exposure.
Motor carriers are responsible for compliance across the whole operation. The right coverage supports your safety rating and your standing with shippers and brokers.
More drivers and more vehicles mean more exposure. A coordinated insurance program helps manage risk across the fleet, not just one truck at a time.
Iron Guard Insurance works with a range of insurance markets to help match your trucking operation with appropriate coverage options.
Not every market listed provides every coverage type described on this page, and not every market operates in every U.S. state. Which markets and coverage options are available depends on your operation, location, and risk profile — contact us for options specific to your business.
Coverage availability, eligibility, limits, deductibles, exclusions, and policy terms vary by insurer, state, and individual risk, and are subject to underwriting approval. Nothing on this page is an offer of insurance, a guarantee of coverage, or legal or insurance advice. Please contact Iron Guard Insurance directly for coverage options specific to your trucking operation.
Our team will review your operation and recommend the coverage stack that protects your business without overpaying.