Coverage based on your operation
Semi-truck operations carry some of the highest exposures in commercial insurance. A single serious accident can involve multiple vehicles, injuries and a loaded trailer — and brokers, shippers and regulators all expect proof that you're properly insured before you move freight.
CTP works with owner-operators and fleets to build a trucking insurance package around how you actually run: your authority, radius, equipment, drivers and the commodities you haul. We gather the underwriting details up front so markets can quote accurately and you're not stuck in back-and-forth.
Interstate for-hire carriers of general freight must carry at least $750,000 in liability under federal rules, and many brokers require $1,000,000 in auto liability and $100,000 in cargo coverage. We help you match limits to your contracts.
Coverage options
- Primary auto liabilityBodily injury and property damage you cause to others while operating.
- Physical damageCollision and comprehensive for tractors and trailers, at stated value.
- Motor truck cargoLoss or damage to the freight in your care, with reefer options.
- Non-trucking / bobtail liabilityFor leased owner-operators when not under dispatch.
- Trailer interchangeNon-owned trailers in your possession under an interchange agreement.
- General liability & moreGL, occupational accident and other coverages contracts may require.
Who it's for
- Owner-operators
- New authorities
- Small & mid-size fleets
- Leased-on drivers
- Dry van
- Reefer
- Flatbed
- Intermodal
What affects your price
Information commonly needed for a quote
The exact underwriting package depends on the market and your operation, but having complete information ready reduces back-and-forth.
Company & Authority
- Legal business name & garaging address
- USDOT / MC numbers
- Years in business
- Requested effective date
Equipment & Drivers
- Year, make, VIN & value of units
- Trailer types
- Driver license details & DOB
- Driving experience & history
Operations
- Commodities hauled
- States traveled & radius
- Annual mileage
- Current/prior insurance & loss runs
Frequently asked questions
Can I get semi truck insurance with a new authority?
Yes. New authorities usually have fewer carrier options and higher premiums at first, but we work with markets that write new ventures and can help get your insurance filing in place so your authority can activate.
How much liability coverage do I need?
Federal minimums start at $750,000 for most general-freight carriers, but most brokers and shippers require $1,000,000. Hazmat and certain commodities require more.
What are loss runs and why do you need them?
Loss runs are your claims history from prior insurers. Underwriters use them to price your policy, so having them ready speeds up the quote.
Do you help with insurance filings?
Yes. Once coverage is bound, your insurer files proof of insurance with the appropriate agencies. We help coordinate the filing so your authority stays active.
What's the difference between bobtail and non-trucking liability?
Both protect a leased owner-operator when driving without the motor carrier's dispatch. The exact coverage depends on the policy wording, so we review it with you.