envelope symbol

info@exceedinsurance.com

call symbol

855-539-2333

Trucking Insurance

Exceed Insurance is the leading insurance agency that offers the best owner operator truck insurance in the US. We are known to offer customized truck insurance for owner-operators at affordable prices. 

All owner-operators and trucking companies must carry commercial trucking insurance with adequate liability coverage. This insurance helps protect the owner-operator or motor carrier from liability lawsuits if the truck driver causes an accident resulting in third-party injuries or property damage

What is Trucking Insurance?

Trucking insurance or Truck Insurance for Owner Operator is a specialized form of coverage designed to protect commercial trucking operations from the unique risks they face on the road. 

It is crucial for the transportation industry, providing a comprehensive shield against the diverse challenges encountered on highways and ensuring financial stability for trucking businesses.

This comprehensive tractor trailer insurance solution plays a pivotal role in mitigating risks and supporting the smooth operation of commercial trucking businesses.

This type of insurance typically includes primary liability coverage, which addresses damages and injuries caused by the truck driver to others on the road. Physical damage coverage is another essential component, safeguarding the truck itself against accidents, theft, or vandalism. 

Why truck drivers should opt for Owner Operator Truck Insurance?

Federal law requires motor carriers and owner-operators to purchase public liability insurance for their DOT-regulated commercial motor vehicles. However, regardless of DOT regulations, most states require all tractor trailers to have commercial tractor-trailer insurance coverage, even for leased units.

Your options for commercial trucks depend on the needs of your trucking business, the truck driver, and the type of goods you haul.

Top Rated Insurance Firm

Instant Quotes

Liability Coverage

Covers Medical Bills

Owner Operator Insurance Coverage

The liability insurance portion of a trucking insurance policy helps pay for third-party injuries and property damage caused by the truck driver. With a commercial liability insurance policy, there are two types of liability coverage:

  • Bodily injury liability insurance: This owner operators truck insurance helps cover medical bills if other people involved in the accident are injured and the tractor-trailer driver is at fault.
  • Property damage liability insurance: This owner operators truck insurance helps pay to repair or replace someone else’s property after an accident caused by a commercial truck driver.

An independent truckers insurance agent can help you determine which types and amounts of insurance may best serve your trucking business. They can help you choose from several commercial truck insurance providers.

Your agent may also recommend additional commercial truck policies to help protect your business. Other coverages under commercial auto insurance include:

  • Comprehensive insurance: This coverage may help pay for damages to the tractor trailer unrelated to an accident, such as weather damage, fire or vandalism.
  • Collision insurance: This policy may help repair or replace the tractor trailer after an accident.
  • Medical payments: This coverage may help cover medical bills up to a specific dollar limit if a passenger or the tractor trailer driver is injured in an accident. It could also cover lost income.
  • Uninsured/underinsured motorist insurance: This policy may help pay to repair or replace a tractor trailer after an accident caused by an uninsured or underinsured third party.

Independent Truckers Insurance Types

Your agent may recommend the following additional tractor trailer insurance, depending on your situation:

  • Trailer interchange: This policy helps pay to repair or replace a trailer when someone other than the owner uses it.
  • Bobtail: This policy helps cover damages caused when the truck does not have a trailer attached
  • Cargo insurance: This policy helps cover financial loss incurred from damaged or lost cargo.

Get your Owner Operator Truck Insurance

At Exceed Insurance, we understand that tractor trailer owners and owner operators have specific insurance needs. Contact us today to learn more about the commercial and independent owner operator truck insurance your organization needs. We will offer you a personalized quote as per your requirements.

Talk To Our Insurance Expert

Ultimately, the goal of an award-winning insurance company is to provide its customers with peace of mind and financial protection in the face of unexpected events.

Regions We Serve our Tractor Trailer Insurance

Exceed Insurance is a leading trucking insurance provider across all states in the US. We offer the best protection covers for truckers nationwide. We are a go-to choice for truck insurance policies, no matter where they are in the United States.

We provide the best trucking insurance services in the following states across the US.

East Coast

 Newark
Jersey City
Paterson
Trenton
Elizabeth
Edison

Boston
Worcester
Springfield
Lowell
Cambridge
New Bedford

Mid-Atlantic

Philadelphia
Pittsburgh
Allentown
Erie
Reading
Scranton

Baltimore
Frederick
Rockville
Gaithersburg
Hagerstown
Ocean City

Richmond
Virginia Beach
Norfolk
Newport News
Chesapeake, Alexandria

Southeast

Jacksonville
Miami
Tampa
St. Petersburg
Orlando
Fort Lauderdale

Atlanta
Augusta
Columbus
Savannah
Macon
Athens

Charlotte
Raleigh
Greensboro
Durham
Winston-Salem
Fayetteville

Columbia
Charleston
North Charleston
Greenville
Mount Pleasant
Rock Hill

Midwest

Chicago
Aurora
Naperville
Joliet
Rockford
Springfield

Detroit
Grand Rapids
Warren
Sterling Heights
Ann Arbor
Lansing

Indianapolis
Fort Wayne
Evansville
South Bend
Fishers
Carmel

Great Plains

Houston
San Antonio
Dallas
Austin
Fort Worth
El Paso

Oklahoma City
Tulsa
Norman
Broken Arrow
Edmond
Lawton

Wichita
Overland Park
Kansas City
Olathe
Topeka
Lenexa

West Coast

Los Angeles
San Diego
San Jose
San Francisco
Fresno
Sacramento

Portland
Eugene
Salem
Gresham
Hillsboro
Bend

Phoenix
Tucson
Mesa
Chandler
Glendale
Scottsdale

Mountain West

Denver
Colorado Springs
Aurora
Fort Collins
Lakewood
Thornton

Salt Lake City
West Valley City
Provo
Sandy
Orem
St. George

 Las Vegas
Henderson
Reno
North Las Vegas
Paradise
Sparks

Boise
Meridian
Nampa
Idaho Falls
Pocatello
Coeur d’Alene

Southwest

Albuquerque
Las Cruces
Rio Rancho
Santa Fe
Roswell
Farmington

Exceed’s truck insurance for owner operator is available for everyone, no matter where you are in the United States.

FAQs:

Owner operator truck insurance typically covers truck, trailer, cargo and provides liability coverage for the owner operator. It ensures financial protection in case of accidents, injuries, or damage. 

Tractor trailer insurance is a coverage that protects owners and operators of tractor trailers. It is essential to mitigate risks associated with accidents, cargo damage, and liability on the road. 

Yes, we also offer customizable insurance policies. You can book a free consultation session with our experts. We will tailor your grocery store insurance coverage based on your specific needs and risks.

Real Client Stories

Customer Feedback

Exceed Insurance has been a trustworthy insurance partner for my trucking business in the US. They've always been there when I needed them, and I know I can rely on them for trucking insurance coverage. They provide easier insurance claims with proper service.
Nirmal Baya
June 30, 2023
I was worried about the cost of owner operator insurance, but Exceed Insurance offered a great deal. Their coverage is excellent, and I feel confident knowing my business is protected. They have such great staff making everything easier to understand.
Lisa Darwin
June12, 2024
I had a great experience purchasing truck insurance with Exceed Insurance. Their insurance agents guided me through every step, ensuring I understood my options. I highly recommend them to anyone in need of truck insurance.
John L
July 5, 2024
When I needed assistance with my truck insurance policy, the team at Exceed was quick to respond and very helpful. Their staff is very polite and knowledgeable. They made sure I had all the information I needed to make an informed decision about my coverage.
Mike P
October 6, 2024
After comparing several options, I chose Exceed for my tractor trailer insurance. They covered all my vehicles and offered personalized plans. They provided extensive coverage and answered all my questions promptly.
Anna M
October 14, 2022

Get A Quote