Trucking & Transportation Insurance
Protect your truck, your cargo and your operating authority with the coverage the law requires: commercial liability, cargo, physical damage and non-trucking liability. We work with owner operators and fleets. Free and in Spanish.
- ITIN options by carrier
- Access to several insurance carriers
- Free quote in Spanish or English
What insurance does a trucker or transport business need?
A trucker or transport business usually needs several coverages: primary liability, which for interstate hauling of general freight must meet the FMCSA federal minimum of $750,000; cargo insurance for the freight; physical damage for your truck and trailer; and non-trucking liability (bobtail) for when you drive off dispatch. If you have employees you also need workers compensation. The legal minimum depends on what you haul and whether you operate within or beyond your state. We never invent prices: cost depends on your experience, routes, cargo type and equipment value. At TOP Insurance we compare several insurers, work with owner operators and fleets, guide you on ITIN options by carrier and serve you in Spanish; you get your quote online and a licensed agent finalizes it with you.
Why choose our Trucking & Transportation Insurance?
Commercial liability that meets the FMCSA federal minimum
Cargo insurance for the freight you haul
Physical damage for your truck, tractor and trailer
Non-trucking liability (bobtail) when you are off dispatch
Coverage for owner operators and multi-truck fleets
ITIN options by carrier and fully bilingual service
How to get your free quote
Simple, fast and no obligation.
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Tell us what you need by phone, WhatsApp or the form — in Spanish or English, no obligation.
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We compare options from several insurance companies to find an alternative that fits your needs and budget.
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We explain your options in plain language and you choose the one that fits you best.
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We activate your policy and stay available for any change or claim whenever you need us.
A trucker or transport business usually needs several coverages: primary liability, which for interstate hauling of general freight must meet the FMCSA federal minimum of $750,000; cargo insurance for the freight; physical damage for your truck and trailer; and non-trucking liability (bobtail) for when you drive off dispatch. If you have employees you also need workers compensation. The legal minimum depends on what you haul and whether you operate within or beyond your state. We never invent prices: cost depends on your experience, routes, cargo type and equipment value. At TOP Insurance we compare several insurers, work with owner operators and fleets, guide you on ITIN options by carrier and serve you in Spanish; you get your quote online and a licensed agent finalizes it with you.
What trucking and transport insurance covers
Trucking insurance combines several coverages that protect your truck, your cargo and your legal liability on the road. An owner operator with a single truck and a local delivery fleet have different needs, and the policy should reflect them.
- Primary liability: covers injuries and damage you cause to others; it is mandatory to operate.
- Cargo insurance: pays for the freight you haul if it is damaged or lost in a covered event.
- Physical damage: repairs or replaces your own truck, tractor and trailer after collision, theft or fire.
- Non-trucking liability (bobtail): protects you when driving the truck without a load and off dispatch.
- Workers compensation: covers injuries to your drivers and staff when you have employees.
FMCSA and DOT federal requirements
Interstate trucking is regulated by the FMCSA. For general freight crossing state lines, the federal liability minimum is $750,000; for certain hazardous materials the minimum is much higher. You need your USDOT number and, in many cases, operating authority (MC).
The BMC-91 form or equivalent filing proves to the FMCSA that you meet the liability minimum. Your agent coordinates it with the insurer so you keep your authority active.
State-by-state facts where we operate
Beyond federal rules, each state has its own requirements for intrastate trucking and for workers compensation of your drivers. We serve Georgia, Florida, Texas, Tennessee, Alabama, Indiana and South Carolina, and tailor the policy to each state's rules.
- Georgia, Tennessee, Alabama, Indiana and South Carolina: auto minimums of 25/50/25; workers comp required based on each state's employee count.
- Texas: auto minimums of 30/60/25; workers comp is voluntary, but many freight brokers require it before assigning loads.
- Florida: no-fault system with PIP; for construction and certain sectors workers comp applies from the first employee.
How to save on your trucking insurance
Trucking insurance is one of a trucker's biggest expenses. These practices help lower the cost without falling below what the law requires.
- Keep a clean driving record and CSA score: claims and violations raise the premium.
- Choose physical-damage deductibles you can afford in a loss.
- Bundle trucks into a fleet policy as you grow; it is usually cheaper per unit.
- Let an agent compare several trucking-focused insurers at every renewal.
Key coverages for trucking and transport
| Coverage | What it covers | Typical recommendation |
|---|---|---|
| Primary liability | Injuries and damage to others on the road. | Required by law; for interstate carriers, FMCSA sets minimums (e.g., $750,000 for general freight) depending on cargo type. |
| Cargo insurance | The freight you haul. | Highly recommended; many brokers require it. |
| Physical damage | Your truck, tractor and trailer. | Recommended, especially if financed. |
| Non-trucking liability | Driving unloaded and off dispatch. | Common for leased owner operators. |
| Workers compensation | Injuries to your drivers and staff. | Legal requirements depend on employee count and each state's law. |
Amounts and recommendations are for guidance only. Your ideal coverage depends on your situation; a TOP Insurance agent will advise you at no cost.
Explore also
Official sources
This guide is based on information from government agencies and insurance regulators. Requirements vary by state; always verify with your state regulator.
Insurance regulators by state
Local guides for trucking & transportation insurance
Educational guides by state and city, prepared by TOP Insurance. Explore the requirements and costs where you operate.
Trucking by state
- Trucking Insurance in Georgia 2026: Coverage, Requirements & Mistakes
- Trucking Insurance in Florida 2026: Coverage, Requirements & Mistakes
- Trucking Insurance in Texas 2026: Coverage, Requirements & Mistakes
- Trucking Insurance in Tennessee 2026: Coverage, Requirements & Mistakes
- Trucking Insurance in Alabama 2026: Coverage, Requirements & Mistakes
- Trucking Insurance in Indiana 2026: Coverage, Requirements & Mistakes
- Trucking Insurance in South Carolina 2026: Coverage, Requirements & Mistakes
Commercial auto for trucks (Georgia)
Ready to quote your Trucking & Transportation Insurance?
Free, no-obligation quote. We compare options from several insurance companies and an agent contacts you with the options available for your situation — in English or Spanish.
Frequently Asked Questions
¿Qué seguro necesita un camionero owner operator?▼
Un owner operator suele necesitar responsabilidad primaria (que cumpla el mínimo FMCSA de 750,000 dólares para carga general interestatal), seguro de carga, daño físico para su camión y non-trucking liability. Un agente de TOP Insurance revisa tu autoridad y rutas gratis. Llama al 1-877-579-0587.
¿Cuál es el mínimo de seguro que exige la FMCSA?▼
Para transporte interestatal de carga general, la FMCSA exige un mínimo de 750,000 dólares de responsabilidad. Para ciertos materiales peligrosos el mínimo es mucho mayor. Coordinamos el formulario BMC-91 con la aseguradora para mantener tu autoridad activa.
¿Qué es el non-trucking liability o bobtail?▼
Es la cobertura que te protege cuando conduces tu camión sin carga y fuera de despacho, por ejemplo de regreso a casa. La responsabilidad primaria de la empresa de carga no suele cubrir esos momentos, así que el bobtail cierra ese hueco.
¿Aseguran flotas y no solo un camión?▼
Sí. Aseguramos desde un solo camión de owner operator hasta flotas de varias unidades. Al crecer, agrupar los camiones en una póliza de flota suele reducir el costo por unidad.
¿Necesito workers comp si soy camionero?▼
Si tienes empleados o conductores contratados, en casi todos los estados es obligatorio según el número de trabajadores. En Texas es voluntario, pero muchos brokers de carga lo exigen para asignarte cargas. Verificamos tu caso.
¿Cuánto cuesta el seguro para transporte?▼
No inventamos precios. El costo depende de tu experiencia, tus rutas, el tipo de carga, el valor del equipo y tu CSA score. Comparamos varias aseguradoras especializadas en transporte; obtienes una cotización en línea y un agente la finaliza contigo.
¿Atienden en español y aceptan ITIN?▼
Sí. Todo nuestro equipo habla español e inglés y te orientamos sobre opciones con ITIN según la aseguradora. Tenemos oficinas en Duluth, Lawrenceville y Gainesville, Georgia, y atendemos 7 estados.
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Questions before you quote?
“I don't have a Social Security number”
Some carriers may accept an ITIN or consular ID; options depend on each carrier and eligibility.
“My English isn't great”
We can help you in Spanish from start to finish.
“How much does a quote cost?”
Nothing. Quotes are free with no obligation.
“I already have insurance”
We compare options from several insurance companies to check whether there is an alternative that better fits your budget and coverage.