What Coverage Do You Need for Long Haul Trucking Business Insurance?
- 6 hours ago
- 2 min read
Operating a long haul trucking business involves significant risks, from on-road accidents to cargo damage. Having the right insurance coverage ensures your fleet, drivers, and cargo are protected while keeping your business compliant with federal and state regulations. Here’s what coverage every long haul trucking company should consider.
Commercial Auto Insurance for Long Haul Trucking
Commercial auto insurance is the foundation of any long haul trucking policy. It protects your trucks, trailers, and drivers in case of collisions, property damage, or bodily injury. Coverage typically includes liability, collision, and comprehensive protection. Maintaining proper commercial auto insurance is often required by the Federal Motor Carrier Safety Administration (FMCSA) for interstate trucking operations.
Cargo Insurance for Your Long Haul Trucking Business
Cargo insurance covers the goods you transport, protecting your business against financial loss if freight is damaged, lost, or stolen. This coverage is critical for long haul trucking companies handling high-value or sensitive shipments. Insurance providers may require details about the type of cargo and routes to provide accurate coverage and pricing.
General Liability and Workers’ Compensation Coverage
General liability insurance protects your business against third-party claims of property damage or bodily injury that occur on or off the road. Meanwhile, workers’ compensation insurance ensures that employees injured on the job are covered for medical expenses and lost wages. Both are essential for maintaining employee safety and financial security.
Optional Coverage for Long Haul Trucking
Depending on your fleet and operations, you may also consider additional coverage:
Trailer Interchange Insurance – Protects trailers you lease or rent.
Umbrella Insurance – Provides extra liability protection beyond standard limits.
Equipment Breakdown Insurance – Covers critical truck or trailer systems.
Work With Experienced Brokers
Securing the right combination of coverage for your long haul trucking business is easier with an experienced broker. Providers like Wexford Insurance understand the specific risks of trucking operations and can tailor a policy that protects your fleet, drivers, and cargo while staying cost-effective. Request a personalized quote from Wexford Insurance today, your long haul trucking business can operate confidently. Proper insurance safeguards your company’s assets, ensures regulatory compliance, and protects your drivers and cargo on every route.
Request a personalized quote from Wexford Insurance today.
