Trucking Insurance Services
Trucking insurance isn’t one‑size‑fits‑all. Every operation has different equipment, routes, cargo, and compliance needs — and your coverage should reflect that. FleetGuard USA provides a full range of trucking insurance solutions designed to protect your business, meet FMCSA requirements, and keep your trucks on the road.
Insurance Coverages We Provide
FleetGuard USA delivers tailored insurance solutions for trucking companies and owner operators - from primary liability to cargo and physical damage. Whether you run one truck or a fleet, we offer flexible, affordable coverage to keep you properly protected and compliant.
Primary Liability
Required by law, this coverage protects against bodily injury and property damage caused by your commercial vehicle. It covers medical costs, lost wages, and repairs for others. Minimum limits start at $750,000, but $1M is standard—higher for Hazmat or specialized operations.
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Physical Damage
Covers your truck and trailer against accidents, theft, vandalism, fire, and weather. Includes Collision (accidents) and Comprehensive (non-collision events). Essential for protecting your assets and keeping operations running.
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Motor Truck Cargo
Covers the goods you haul against loss, damage, or theft during transit. This protection is tailored to your operation and may be required by brokers (typically $100K+). Options include all-risk or named-perils coverage, with higher limits for specialized loads.
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Excess / Umbrella
Extra Protection for high-value loads exceeding standard cargo limits. Shipment-specific coverage ensures compliance, reduces risk, and applies to goods in transit as outlined in shipping documents.
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Bobtail (Non-Trucking)
Covers owner-operators driving without a trailer and not under dispatch. Protects against liability for accidents causing injury or property damage when not covered by a motor carrier’s policy.
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Commercial Auto Liability
Commercial Auto Liability Insurance protects business‑owned vehicles when they cause injury or property damage. It keeps your trucks compliant and legally covered for commercial use.
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Commercial Trailer Insurance
Commercial Trailer Insurance provides physical damage protection for the trailers you own or lease, including dry vans, flatbeds, reefers, tankers, and specialized equipment. It covers collision, theft, fire, vandalism, and weather‑related losses—whether the trailer is attached, detached, or parked at a job site.
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High‑Value Cargo Insurance
High‑Value Cargo Insurance offers increased cargo limits for freight that exceeds standard coverage, such as electronics, pharmaceuticals, luxury goods, and machinery. This protection helps truckers meet broker and shipper requirements while safeguarding against theft, damage, and spoilage of high‑value loads.
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Reefer Truck Insurance
Reefer Truck Insurance protects refrigerated trucks and temperature‑controlled cargo from spoilage, equipment failure, and physical damage. It helps reefer operators meet shipper requirements and safeguard sensitive freight.
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Progressive Truck Insurance
Progressive Commercial Truck Insurance offers flexible underwriting, fast filings, and strong coverage options for owner‑operators, fleets, and new authorities. It’s one of the most accessible carriers for trucking operations.
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Truck Insurance Filings
Truck Insurance Filings such as BMC‑91X, MCS‑90, Form E, and Form H verify your insurance with the FMCSA and state agencies. These filings activate your authority and keep your operation compliant.
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State‑by‑State Requirements
State‑by‑State Truck Insurance Requirements outline the liability limits, cargo rules, and filings needed to operate legally within each state. This helps carriers stay compliant with both intrastate and interstate regulations.
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About FleetGuard USA
Whether you have questions about coverage, need a custom quote, or simply want guidance on the best options for your fleet, our team is here to help. Reach out today and let’s build a safer, stronger future for your trucking business.
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Insurance Information
As a leading commercial trucking insurance company in America, we insure all types of commercial trucks for owner-operators as well as private carriers offering highly flexible insurance coverage at very competitive rates.
Commercial truck insurance quotes for all types of trucks
From a single rig to a nationwide fleet, FleetGuard USA delivers reliable coverage that keeps your business moving with confidence.
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.
© 2026 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.
