Commercial Trucking Insurance for 18-Wheelers & Tractor-Trailers
Operating an 18-wheeler comes with big responsibilities—and big risks. From long hauls across state lines to navigating tight delivery schedules, one accident can cost thousands in damages, lost loads, and liability claims. That’s why Commercial Trucking Insurance is required for anyone running tractor-trailers under their own authority.
At FleetGuard USA, we specialize in insurance for long-haul truckers, regional carriers, and fleets. With decades of experience, deep carrier relationships, and compliance expertise, we help truckers secure coverage that protects their business and lowers costs.
What Does Commercial Trucking Insurance Cover?
A tractor-trailer policy combines multiple protections tailored to the risks of over-the-road trucking. Coverage may include:
Primary Liability (Required by FMCSA) – Covers injury or property damage to others caused by your truck. Standard limits are $750K to $1M; higher for Hazmat.
Physical Damage – Pays to repair or replace your rig after collisions, theft, vandalism, or natural disasters.
Motor Truck Cargo – Protects the freight you haul against theft, loss, or damage while in transit.
General Liability – Covers non-driving risks like accidents at a dock, office, or yard.
Optional Coverages – Trailer interchange, OCC/ACC, workers’ comp, excess liability, and more.
Who Needs Commercial Trucking Insurance?
Owner-Operators with their own authority hauling freight nationwide
Small Fleets running multiple semis or tractors across state lines
Regional and Long-Haul Carriers hauling general freight, Hazmat, or specialized cargo
For-Hire Motor Carriers contracted by shippers and brokers requiring proof of insurance
If you drive or manage 18-wheelers, tractor-trailers, or semis, you’re required to maintain liability coverage—and smart operators add additional protection to safeguard their business.
Protect Your Rig. Protect Your Business.
Your semi-truck isn’t just equipment - it’s your livelihood. With Commercial Trucking Insurance from FleetGuard USA, you’ll have the protection, carrier options, and cost savings you need to run with confidence.
Why FleetGuard USA?
We know trucking isn’t one-size-fits-all. That’s why we:
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Work with top commercial trucking insurers to get competitive rates.
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Use our underwriting relationships to negotiate better terms.
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Understand FMCSA and CSA score impacts, so we can help improve your risk profile.
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Provide fast certs, filings, and renewals, keeping your trucks compliant and on the road.
FleetGuard USA provides reliable, customized insurance solutions for trucking companies and owner-operators across the nation. Our mission is to keep you protected on every mile, with coverage you can count on and service you can trust.
© 2025 FleetGuard USA. All rights reserved.
Important Notice: This website provides only a general description of insurance coverages and services offered by FleetGuard USA. It is not a statement of contract. Coverage options, terms, conditions, and exclusions vary and may not be available in all states. For complete details, please refer to the actual policy documents, including all endorsements.
Coverage cannot be bound, amended, or altered through this website, email, or voicemail messages. All changes must be confirmed in writing by FleetGuard USA and are subject to carrier underwriting approval.
