Choosing the right insurance is about more than checking a box. It’s about making sure you’re protected when something goes wrong, compliant with the law, and covered for the contracts you take on.
At Premiere Solutions Insurance Agency, Inc., we don’t believe in one-size-fits-all policies. We build insurance programs tailored to your operation, and it starts with helping you understand your options.
Here’s a breakdown of the most important types of trucking insurance and how each one works.
This is the foundation of any trucking policy. It protects you if your truck causes injury or property damage to someone else while operating on public roads.
Includes:
Required by:
This covers your truck and trailer, not just what you might hit. It includes both collision and comprehensive protection.
Covers:
This is essential if you’re financing a vehicle or can’t afford unexpected out-of-pocket repairs.
This protects the freight you’re hauling. If cargo is lost, damaged, or stolen while in your care, cargo insurance helps cover the value.
Often required by:
Policies vary by cargo type, so we’ll match the coverage to what you haul, whether it’s sod, electronics, reefer freight, or flatbed loads.
Covers your business for claims that happen off the road, such as at terminals, loading docks, offices, or job sites.
Covers:
Ideal for companies that deal with customers, subcontractors, or job sites beyond just driving.
Protects your truck when operating without a trailer or outside of dispatch. Many leased-on owner-operators are required to carry this by motor carriers.
Applies when:
This covers your truck when using it for personal, non-business reasons, like errands, parking, or off-duty movement.
Important distinction:
We’ll help you decide if you need one or both.
Covers physical damage to non-owned trailers you’re using under a written interchange agreement.
Common in:
Without this, you’re financially responsible for trailers you don’t own but are hauling.
If your refrigerated unit fails and the cargo is spoiled, this coverage helps replace the load and protect your contract.
Best for:
Available as an add-on to motor truck cargo policies.
Protects owner-operators and independent drivers who don’t qualify for workers’ comp but still want injury protection on the job.
Covers:
Affordable coverage for those without employee status but still at risk.
Protects you if another driver hits your truck and doesn’t have enough insurance, or none at all.
Applies to:
We don’t just sell insurance, we design coverage around:
Whether you’re running one hot shot rig or a 10-truck fleet, we’ll help you get the right coverage, without paying for what you don’t need.
Text us at (909) 570‑9465 with a few details about your operation, like what you haul, your DOT status, and vehicle type, and we’ll build a plan that checks every box for safety, compliance, and protection.
Need to review your coverage or request a COI? Use our secure Client Portal anytime to manage your trucking insurance.
