Transportation Insurance

A trucking company carries risk every mile, from a crash on the interstate to damaged freight or a broker who won't tender a load without the right certificate. Transportation insurance covers the trucks, the freight and the liability that comes with moving goods, and at AGEMA Insurance Solutions in Overland Park, KS, we place it for local, intermediate and long-haul trucking, fleet and non-fleet operations, last-mile delivery and courier services, and towing and recovery operations. Service businesses running cargo vans and pickups are a better fit for our commercial auto insurance, manufacturers shipping their own goods can see manufacturing insurance, and you'll find the other lines we place on the AGEMA home page.

Commercial Truck Insurance for Fleets and Owner-Operators

Commercial truck insurance starts with primary auto liability, which pays for bodily injury and property damage to third parties after an accident. For non-hazardous freight hauled for hire across state lines in a vehicle rated 10,001 pounds or more, FMCSA requires at least $750,000 in primary liability with the Form MCS-90 endorsement. Physical damage protects your own trucks and trailers from collision, theft, fire and other perils. Specialized cargo, including refrigerated, hazardous materials and flatbed loads, changes how carriers underwrite the account, so we describe your freight in detail before going to market.

Cargo Insurance and Broker Requirements

Federal rules require cargo insurance only of household goods carriers, but for general freight the requirement usually comes from brokers and shippers. Motor truck cargo protects the freight you haul from loss or damage, and it can be tailored to the commodities you transport. Owner-operators often ask whether they need general liability or just $1 million in auto, and the answer depends on authority: running under your own authority, brokers commonly expect cargo coverage, often $100,000, and sometimes general liability, while a carrier you are leased onto may provide some of those coverages.

Trucking Insurance Coverages Beyond the Truck

Some of the claims a transportation business faces have nothing to do with a moving vehicle. General liability covers non-auto claims, such as a customer injured at your terminal or a loading or unloading error that damages property. Workers' compensation provides medical and wage benefits to drivers and other employees injured on the job, and an umbrella or excess policy adds a layer of liability above the primary auto and general liability limits. Each coverage remains subject to the carrier's underwriting, terms and exclusions.