Commercial Trucking Insurance
From Liability to Cargo — RoadKing Keeps You Covered
Running a trucking business takes more than hard work — it takes preparation, protection, and precision. From hiring qualified drivers and managing compliance to keeping your fleet on the road, every detail matters. Whether you operate one truck or a large fleet, RoadKing Insurance Agency helps you stay protected from the unexpected risks that come with the open road.
What Is Commercial Trucking Insurance?
Commercial Trucking Insurance is a customized insurance solution built specifically for the trucking industry. Unlike a standard auto policy that only protects a vehicle and its driver, this type of insurance is designed to safeguard your entire operation, from your trucks and drivers to the valuable cargo you haul every day.
A comprehensive trucking policy typically starts with Primary Liability coverage (Auto Liability), which is required by federal and state regulations, and can be expanded to include:
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Physical Damage: Covers repair or replacement costs if your truck is damaged in an accident, fire, theft, or vandalism.
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Motor Truck Cargo: Protects the freight you transport against loss or damage while it’s in your care.
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General Liability: Provides protection for business-related incidents that occur away from your vehicles.
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Non-Trucking Liability: Covers your truck when it’s being used for non-business purposes, such as personal errands.
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Occupational Accident Coverage: Helps protect drivers in case of accidental injury, disability, or death while on the job.
At RoadKing Insurance Agency, we build coverage plans around your specific routes, cargo types, and operational risks. Our team speaks the language of trucking, we know your challenges, your compliance requirements, and how to keep your business rolling safely and profitably.
Who needs Commercial Truck Insurance?
Any business involved in transportation, from independent owner operators to established fleets, needs reliable commercial truck insurance. Whether you run one truck or manage multiple units across several states, this coverage is required by law and essential for protecting your drivers, equipment, and cargo.
Unlike a standard commercial auto policy, trucking insurance is designed specifically for vehicles that haul freight. According to the Federal Motor Carrier Safety Administration (FMCSA), every for-hire carrier or company operating a commercial truck must maintain proper insurance coverage to stay compliant and legally active.
At RoadKing Insurance Agency, we offer specialized insurance programs tailored to the needs of the trucking industry.
1. Commercial Trucking Liability
Coverage designed for:
• New ventures and experienced fleets
• Auto haulers and straight trucks
• Mixed radius operations including local, intermediate, and long haul
• Intermodal carriers
• UIIA and trailer interchange operations
• Fleets of any size, from a single power unit to large multi-state operations
2. Trucking Cargo Coverage
Protection for a wide range of freight types including:
• Dry van goods
• Flatbed loads
• Auto haulers
• Reefer (temperature-controlled cargo)
• Intermodal containers
• General freight
3. Physical Damage Coverage
• Covers repair or replacement for individual trucks or entire fleets in case of collision, fire, theft, or vandalism.
4. Non-Trucking Liability and General Liability
• Protects your business and drivers when operating off duty or outside of hauling activities.
• Additional optional coverages are available depending on your exposure and contract requirements.
At RoadKing, we treat your business like our own. Our mission is to provide maximum protection and exceptional value, helping you balance affordability with strong, customized coverage. Together, we’ll build an insurance plan that fits your operation, from liability and cargo protection to physical damage, risk management, and fleet safety.