What Is the Best Insurance for a Trucking Company?

Finding the best insurance for your trucking company involves more than just comparing prices. In 2025, trucking businesses across the U.S. are facing increased regulations, higher operating costs, and evolving risks. That’s why choosing the right commercial truck insurance policy is critical.

At a minimum, most carriers require:

• Primary Liability Insurance – Covers bodily injury and property damage to others in an accident where you're at fault. Required by FMCSA.
• Physical Damage Insurance – Covers your own vehicle in case of accident, theft, fire, or natural disaster.
• Motor Truck Cargo Insurance – Protects the value of the goods you haul.
• Non-Trucking Liability (Bobtail Insurance) – Covers your vehicle when it's being used for non-business purposes. Some fleets also add:
• General Liability Insurance – Covers third-party injury or property damage that may happen during loading/unloading.
• Occupational Accident Insurance – An alternative to workers comp for owner-operators.

Other considerations include deductibles, state-specific minimums, and your authority type (interstate vs. intrastate).

At Road Ready Insurance, we help trucking companies of all sizes—from single-unit owner-operators to small fleets—understand their risks and choose customized coverage plans from top-rated national carriers.