Tailored Coverage for Owner-Operators, Fleets & New Authorities
At The Freight Expert, trucking insurance isn’t an add-on — it’s all we do.
Every freight operation is different. Whether you’re hauling dry van, reefer, or flatbed —
our trucking insurance coverage options are built to protect every mile of your business.
Each policy is tailored to your business: radius, freight type, driver experience, authority status.
From new DOT authorities to established fleets, our freight insurance programs adapt to your business needs.
We make getting trucking insurance simple and fast. No long forms or confusing jargon
— just three easy steps to get covered and stay compliant.
Most trucking companies are legally required to carry General Auto Liability, which meets FMCSA requirements. Additional coverages include Cargo Insurance, Physical Damage, General Liability, Trailer Interchange, and if you’re an owner-operator, Bobtail or Non-Trucking Liability.
The exact mix depends on your operations, contracts, and freight type.
Motor Truck Cargo Insurance protects the goods you haul in case they’re lost or damaged in transit. It’s essential if you’re transporting freight for others—most brokers and shippers require it before assigning loads.
Yes! While new ventures often face higher premiums and fewer options, The Freight Expert specializes in helping new trucking companies get insured quickly and affordably. We guide you through the process, from BOC-3 filing to certificate issuance.
Costs vary based on several factors—driver history, operating radius, vehicle type, freight hauled, and years in business. For new owner-operators, annual premiums can range from $8,000 to $14,000+ per truck. We shop multiple A-rated carriers to find the most competitive quote.
Absolutely. Freight brokers typically need Contingent Cargo and Contingent Auto Liability, which protects against losses when your contracted carriers don’t have sufficient or valid coverage. We offer tailored packages that also include Errors & Omissions (E&O) for brokerages.
Bobtail Insurance covers your truck when you’re driving without a trailer—often after dropping a load.
Non-Trucking Liability (NTL) covers your truck when it’s being used for non-business purposes, like going home. Some motor carriers require one or both, depending on your contract.
Get your trucking insurance quote today and stay ahead of DOT compliance, claims, and costly downtime.
