From Progressive Insurance
Commercial Truck Insurance
With more than 42 years of experience, you can trust Progressive to meet your commercial truck insurance needs. We are the #1 truck insurer in America, the nation’s third-largest commercial vehicle insurance company, and we have a A+ rating from A.M. Best. We offer customized insurance policies, flexible payment options, 24/7 claims service and discounts for qualified drivers in all states.Commercial Trucks We Insure
Whether you're looking for owner operator insurance, motor carrier insurance, or private carrier insurance, Progressive provides commercial truck insurance for trucks and trailers of all sizes including:
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Truck Insurance Filings
Progressive offers complete commercial truck insurance state and federal filings assistance. An insurance filing is a guarantee to the government that you have sufficient truck insurance protection for your vehicle. Once authority has been filed, we can take care of the rest.Learn more about commercial truck insurance filings.
Truck Insurance Discounts
To show appreciation for our commercial truck insurance customers, Progressive offers customized discounts designed specifically for your policy. Qualifying for just one commercial truck insurance discount could save you up to 5 percent on your insurance quote.Learn more about commercial truck insurance discounts.
Commercial Truck Insurance Claims
Call us day or night at 1-800-274-4499 to report a claim or to get additional information on a truck insurance claim that you’ve already filed. Our commercial truck insurance claims professionals will start working to get you back on the road.Learn more about commercial truck insurance claims.
Commercial Truck Insurance Quotes
Get a quote online or call us at 1-888-806-9598 to speak with one of our licensed insurance representatives. Get the help you need and learn more about the benefits and features our customers enjoy including:- Flexible Payment Options – Whether you pay online, by phone, or by mail, we offer multiple payment options. We accept checks, debit cards, credit cards, and more. You can choose to pay monthly with a low downpayment or pay your policy in full.
- Customized Discounts – Depending on your business type, you may qualify for discounts for having a CDL, being an experienced business owner, or for having a General Liability or Business Owner’s Policy with another insurance company.
- Superior Claims Service – Our claims service is designed to help you get back on the road fast. You can report a truck insurance claim anytime. Our staff of in-house claims representatives will give you personalized service from the beginning to the end of your truck insurance claim.
Owner Operator Insurance
If you're an owner operator, you need special truck insurance products and services to keep you fully protected whether you’re under permanent lease to a motor carrier or if you work under your own authority. Progressive understands your truck insurance needs and can help you select the trucking insurance coverages you need to protect your business and your livelihood.Owner Operators Under Permanent Lease to a Motor Carrier
As an independent driver leased to a motor carrier, your owner operator truck insurance coverage needs are mainly determined by the lease agreement you have with your motor carrier. In most cases, a motor carrier provides Primary Liability insurance coverage when you are working on their behalf. Liability insurance covers injuries or damage to other people or property if you're at fault for an accident.However, you may need to purchase other owner operator truck insurance coverages, including:
- Non-Trucking Liability insurance – Can provide protection for when you're not under dispatch.
- Physical Damage coverage - Can cover the cost of fixing or replacing your truck if it’s involved in an accident or stolen.
- Motor Truck Cargo insurance - Provides coverage for loss or damage to the load you’re hauling.
Owner Operators Working Under Their Own Authority
If you are operating under your own authority you will need to carry your own commercial trucking insurance coverages, including:- Liability insurance - Pays for damages that you cause to other people and their property and includes Bodily Injury Liability insurance and Property Damage coverage.
- Physical Damage coverage - Pays for repairs to your vehicle if it's damaged in an accident, whether it's caused by a collision with another vehicle or a falling tree branch.
- Motor Truck Cargo insurance – Can pay for damages to the cargo that you’re hauling in case of fire, theft, or an accident.
- Motor Truck General Liability insurance – Available exclusively through Progressive Commercial’s independent agents, this coverage pays for injuries or property damage you cause as a result of business activities not directly related to operating your truck.
Owner Operator Truck Insurance Limitations
Progressive has a radius of operation restriction of 500 miles for Primary Liability. This limitation helps us provide superior owner operator insurance products and services for regional and local truck drivers. Keep in mind that we calculate our radius of operations as the crow flies instead of in road miles, so 500 miles can actually cover a fairly large area. However, Physical Damage trucking insurance coverage does not have a radius restriction. If you operate as a long-haul Motor Carrier, Progressive may not be able to provide your Primary Liability coverage. We might be able to provide your Physical Damage – and you might be able to save some money.For Owner Operators that are under Permanent Lease, there are no radius restrictions for Non-Trucking liability.
Owner Operator Insurance Quotes
Get a quote online or call us at 1-888-806-9598 to see how much you could save with owner operator trucking insurance from Progressive.Motor Carrier Insurance for For-Hire Trucking
You spend a lot of money on your trucking business, so you want to be sure it's protected. After all, your truck is your livelihood - that's why motor carrier insurance designed specifically for for-hire truckers is so important. Choosing the right motor carrier coverage is the best way to protect your investment and your business.Truck insurance from Progressive will not only protect your business and provide the coverage you need, it offers you some of the best rates in the industry, 24x7 policy assistance, and superior claims service, too.
For-Hire Truck Insurance Recommendations
Many motor carriers use permanently leased independent contractors. If you are one of these for-hire owner-operators, you may receive Primary Liability insurance under your Motor Carrier’s authority. However, you may still need to purchase “Contingent” or Non-Trucking Liability insurance, as well as Physical Damage coverage for your vehicle. There are many for-hire truck insurance options. Read below to learn more about the types of motor carrier insurance coverages you or your contractors may need.Mandatory Motor Carrier Truck Insurance Coverages
Liability insurance is a mandatory motor carrier insurance coverage that pays for damages you cause to other people and their property. Liability insurance coverages for motor carriers includes Bodily Injury insurance and Property Damage coverage.Optional Motor Carrier Insurance Coverages
To make sure you have the best protection for your truck when you’re on the road, you should also consider purchasing some of the optional motor carrier insurance coverages:- Physical Damage coverage – Can pay for repairs to your truck if it's damaged in an accident, whether it's caused by a collision with another vehicle or a falling tree branch and can include Collision insurance, Comprehensive insurance, or Fire and Theft with Combined Additional Coverages.
- Medical Payments insurance – Available in select states, this first party coverage can pay medical bills for you and any passengers in your truck in case they are hurt in an accident or auto-related injury.
- Uninsured Motorist insurance – Can pay for injuries and damages to you or your passengers and your vehicle, where available, caused by drivers who either don't have insurance or don't have enough insurance to cover your injuries and damages.
- Motor Truck Cargo insurance – Can pay for damages to cargo you're hauling.
Motor Carrier Coverage Limitations
Progressive’s motor carrier insurance has a radius of operation restriction of up to 500 miles on policies with liability coverage, depending on your state. This restriction helps us provide superior motor carrier coverage products and services for regional and local trucking businesses. Keep in mind that we calculate our radius of operations as the crow flies instead of in road miles, so 500 miles can actually cover a fairly large area.This restriction does not apply to Physical Damage and Non-Trucking Liability coverage.
State and Federal Motor Carrier Insurance Filings
To operate under your own authority, motor carriers must often meet various financial responsibility regulations based on the weight of vehicles operated and commodities hauled.Progressive makes it easy to obtain motor carrier filings for your required levels of financial responsibility. From the SSRS Form E to MCS-90 filing, Progressive can help. Once you obtain your motor carrier authority, we'll take care of the rest. We'll even file all of the paperwork for you.
Motor Carrier Truck Insurance Quotes
Contact us today at 1-888-806-9598 to see how much you could save with motor carrier insurance from Progressive.Private Carrier Insurance
As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing, or any other private carrier capacity, Progressive has truck insurance solutions for you.Private Trucking Insurance Coverages
There are many different types of private trucking insurance coverages, including:- Liability insurance – This mandatory insurance coverage pays for damages that you cause to other people and their property. Liability insurance coverage includes Bodily Injury Liability insurance and Property Damage Liability coverage.
- Physical Damage – Can pay for repairs to your truck if it's damaged in an accident, whether it's caused by a collision with another vehicle or a falling tree branch and can include Collision insurance, Comprehensive insurance, or Fire and Theft with Combined Additional Coverages.
- Medical Payments insurance – Available in select states, this first party coverage can pay medical bills for you and any passengers in your truck in case they are hurt in an accident or auto-related injury.
Private Trucking Insurance Filings
If you travel across state lines as a private trucker, you might need federal or state truck insurance filings. We make it easy to get truck insurance filings for your required levels of financial responsibility so you can quickly get on the road. We'll even file all of the paperwork for you.Private Trucking Insurance Quotes
Contact us today at 1-888-806-9598 to see how much you could save with private trucking insurance from Progressive.Commercial Truck Insurance Filings
Progressive offers state and federal filings, also called financial proof of responsibility, that is a guarantee to the government that you are carrying sufficient truck insurance protection. Once you file for authority, we can take care of the rest. Learn more about commercial truck insurance and filings by state.
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What Are Commercial Truck Filings?
Commercial truck filings are proof that you have enough Liability insurance to meet minimum Federal and state requirements.
The Federal and state governments have their own separate commercial truck filing requirements which can be confusing.
For example:
Typical information you'll need to get your commercial truck filings might include:
The Federal and state governments have their own separate commercial truck filing requirements which can be confusing.
For example:
- The Federal Motor Carrier Safety Act requires some businesses to file a special certificate with the U.S. Department of Transportation if they conduct business across state lines. This certificate serves as proof that a federal financial responsibility endorsement, such as the MSC 90, has been added to an insurance policy.
- A Form E Filing, which is a state filing, certifies that your Liability coverage complies with your business' home state requirements. Another state filing, Form H, proves that you have adequate Cargo Liability insurance in that state.
Typical information you'll need to get your commercial truck filings might include:
- Business address
- Phone number
- Social Security number
- Your Doing Business As, or (DBA) name
- Docket number (MC#)
- Department of Transportation Number (DOT#)
- FEIN# for OS32
Federal Filings
We offer federal filings for trucking businesses that engage in:- Interstate trucking
- Hauling hazardous cargo (placard)*
- For-hire trucking (common, contract)
- For-hire passenger transportation*
Federal filings are not required for businesses that never cross the state line or engage intrastate trucking.
State Filings
If you haul exempt commodities you are required to submit a state filing unless you are in one of the following states:- Alaska
- Arizona
- Delaware
- Florida
- Hawaii
- Maryland
- Nevada
- New Jersey
- Oregon
- Pennsylvania
- Vermont
- Wyoming
Sectors That Do Not Require Federal or State Filings
The following are considered unregulated trucking sectors that do not require a federal or state registration.- Private carriers hauling their own goods, such as manufacturers, farming and retail operations
- Owner operators hauling under someone else's authority, such as a truck owner leased on to a motor carrier
Other Filings and Certificates of Insurance (COI)
Other reasons besides trucking authority might require a business to submit proof of insurance. For example, drivers with probationary licenses or owners of oversized vehicles may need a non-trucking filing or a certificate of insurance (COI).To verify if you need proof of insurance, check the list below for your business type or vehicle class and state of operation.
| Who | States | Filing or Certificate of Insurance |
|---|---|---|
| Commercial balloon excursions | CA | PL914 Filing |
| Commercial river rafting excursions | CA | PL914 Filing |
| Commercial skiing (class C) excursions | CA | PL914 Filing |
| Courtesy transportation (not for-hire) | CT | MC1641 Filing |
| CA | TL1000 Filing | |
| Driving schools | CA | California Driving School Certificate |
| VT | TA-VN-31 Driver Training COI | |
| For-hire transport | CA | MCP-65 Filing |
| Leasing or renting a vehicle | CT | R1325C – IRB3613C Filing |
| Movers of household goods | CA | TL676 Filing |
| Oversized vehicles, trailers or loads | OH | OS-32 Filing |
| AL, AR, LA, MS, PA | Oversized/Overweight Vehicles COI | |
| Oversized or Overweight vehicles, trailers and/or loads | NY | Perm 17 |
| Overweight vehicle | CA | MCP-65 Filing |
| FL | Florida Department of Motor Vehicles COI | |
| Reinstate a suspended license | All | SR-22 Filing |
| IN | SR50 Filing | |
| Towing businesses | MT | Form MV5 COI |
| CO | Form 12 | |
| CO | Form 14 | |
| TX | Form T | |
| OK | WA Form | |
| Transporting goods or people across state lines | All | BMC-91X Filing |
| All | Form MCS-90 |
*A Progressive Commercial policy currently does not insure businesses that engage in the for-hire transportation of hazardous cargo or of passengers.
Commercial Truck Insurance Discounts
We know life on the road can be difficult, but we try to make purchasing commercial truck insurance easy and affordable. To show our appreciation for our valued truck insurance customers, we have commercial truck insurance discounts designed exclusively for you. Qualifying for just one could save you up to 5 percent on your truck insurance quote.- Commercial Drivers License (CDL) Discount – If you have a Commercial Driver's License (CDL), you can save as much as 20 percent off your commercial truck insurance.
- Business Experience Discount - If your business has been up and running for more than three years, you’re eligible for the Business Experience discount, which could save you as much as 5 percent on your commercial truck insurance.
Other Commercial Truck Insurance Savings
Looking for other ways to save on your commercial truck insurance? In addition to qualifying for one of our commercial truck insurance discounts, there are a number of ways you can keep your trucking insurance costs within your business’ budget:- Increase Your Deductibles - Choosing higher deductibles for your truck insurance is an easy way to lower the price of your insurance. Be sure you choose a deductible that you can afford to pay out of pocket at any time.
- Pay Your Insurance in Full - If you pay your entire truck insurance premium up front, you'll receive a Paid-in-Full discount of up to 15 percent off.
- Pay by Electronic Funds Transfer (EFT) - If you don't want to pay your truck insurance policy in full, you can choose one of our EFT payment plans. EFT deducts your payments directly from your checking account, which saves you time and effort. Plus, it saves you money because we waive the usual check processing fees.
- Insure Other Vehicles with Progressive - If you have a Progressive Commercial policy for your truck and you insure your personal vehicles with Progressive, too, we'll give you a multi-policy discount on your personal auto insurance.
Customized Truck Insurance Quotes
When you contact Progressive for a free, customized truck insurance quote, be sure to ask about our commercial auto discounts and other ways you can save on your truck insurance. If you’re a new business owner with a heavy duty pick-up truck, or an experienced business owner with a small fleet of commercial trucks, Progressive offers commercial truck insurance solutions to meet your needs. Get a truck insurance quote today and see how you can save.Commercial Truck Insurance Claims
As the #1 truck insurer in America, Progressive knows commercial truck insurance and we know commercial trucks. We understand that a semi-truck is a completely different vehicle than a pick-up truck. Many companies handle commercial truck insurance claims the way they handle claims for personal autos. We don't. Commercial truck insurance claims need specialists, and we have them.Report a Truck Insurance Claim
We make reporting your truck insurance claims easy and fast. Give us a call at 1-800-274-4499, day or night to report a claim or to get additional information on a truck insurance claim that you’ve already filed. Once we get your truck insurance claim information, our commercial truck insurance claims professionals will start working to get you back on the road.Commercial Truck Insurance Claims Professionals
Our commercial truck insurance claims professionals are trained in the complexities of claims involving tractor trailers and other large trucks. They understand heavy duty trucks and truck bodies, and they know large diesel engines and transmissions.Truck Insurance Claims Training
Our job is to provide you with the best truck insurance claims service in the commercial truck insurance market. To do that, we hire people with backgrounds in commercial trucks. From drivers to mechanics to repair shop owners, most of our commercial truck insurance claims team has spent years working with 18-wheelers, dump trucks and more. So they're already familiar with the ins and outs of heavy duty trucks from engines to chassis.Once they join Progressive, our truck insurance claims professionals go through rigorous training at our commercial truck insurance claims training center, the only facility of its kind in the industry. There, our truck insurance claims reps get plenty of hands-on truck claims experience.
By the time our truck insurance claims reps evaluate their first claim, they have more commercial truck insurance claims experience than many reps at other companies.
What does this mean for you? Your repair estimate will be more comprehensive, the repairs will be done right and your truck will be back on the road faster. We'll save you time, hassle and headaches.
Additional Resources for Truck Insurance Claims
Looking for more information on how Progressive handles truck insurance claims? Here’s some additional information on how we handle commercial truck insurance claims.Non-Trucking Liability Insurance
As an independent owner-operator, your truck is your livelihood. You want to make sure it’s protected with truck insurance at all times. That’s why Non-Trucking Liability insurance is a necessity. When you’re under permanent lease to a motor carrier and you’re not driving under dispatch, Non-Trucking Liability insurance provides the truck insurance coverage you need at an unlimited radius.Non-Trucking Liability insurance can pay for medical and associated expenses for injuries or even death that you cause to other people or for any damage caused to other peoples' property.
Full Protection With Physical Damage
Typically, a motor carrier will provide primary Liability insurance coverage for owner-operators but does not provide Physical Damage coverage. This means you need to purchase Physical Damage coverage for your truck insurance on your own. Physical Damage coverage protects you whether or not you’re under dispatch in the event of a total loss or if your truck is damaged by a collision or overturn, theft or natural disaster. With Non-Trucking Liability and Physical Damage coverage for your truck, you can be sure you’re fully protected.Bobtail Insurance or Non-Trucking Liability Insurance
Non-Trucking Liability insurance is sometimes called Bobtail insurance. However, Bobtail insurance may not be the same thing as Non-Trucking Liability insurance. Bobtail insurance typically protects a tractor when it's being operated without a trailer, regardless of whether or not it's under dispatch. Non-Trucking Liability protects the tractor when it's being operated off dispatch, regardless of whether or not it's pulling a trailer.Competitive Rates for Non-Trucking Liability Insurance
We know you're always on the look-out for better rates on truck insurance. And we have them, especially for high-value vehicles with proof-of-prior insurance. Our Physical Damage rates can be as low as 1.5% of your vehicle’s stated amount. And remember, our Physical Damage rates are primary and coverage applies whether you are under dispatch or not.Get a quote online or call 1-888-806-9598 to speak to a licensed insurance representative that will help explain your options.
Non-Trucking Liability Insurance Example
You are off dispatch and driving your truck for personal reasons when you sideswipe the car in the lane next to you.No one is seriously injured, but the side of the car is scraped and the driver has a large bump on her forehead from where she banged it on the window.
Your regular Liability insurance won't cover this accident since you were off duty when it happened. Your Non-Trucking Liability insurance, however, will protect you.
If you chose limits of $500,000/$1,000,000/$200,000, your Non-Trucking Liability would pay for:
- The other driver's medical bills to have the lump on her head checked out, up to $500,000.
- The repairs to the other car, up to $200,000.
Non-Trucking Liability Insurance Exceptions and Restrictions
Non-Trucking Liability insurance coverage does not apply when you are pulling a loaded trailer, operating on behalf of a trucking company, or using a vehicle for any revenue generating purpose. These types of activities are covered by primary Liability insurance. If a motor carrier is providing your primary Liability insurance, this coverage will not apply when you are not under dispatch and you'll need Non-Trucking Liability coverage. Non-Trucking Liability insurance can only be purchased if Physical Damage insurance is selected.Non-Trucking Liability insurance is not available on policies with an FHWA (federal/ICC), MCS-90, SR-22 or state filing, for businesses whose primary function is to haul garbage or trash, and for certain vehicle types. Other Non-Trucking Liability insurance restrictions may apply.
Physical Damage Coverage
Physical Damage is a general term for a group of insurance coverages that protect your vehicle. This general term includes Collision insurance, as well as your choice of full Comprehensive insurance or the more limited Fire and Theft with Combined Additional Coverage (CAC) insurance.Collision insurance provides protection for your vehicle if it is damaged in an accident. Collision insurance pays to repair or replace your vehicle if it:
- Collides with another object
- Overturns or rolls
Fire and Theft with CAC provides similar protection to that of Comprehensive insurance, except its coverage is limited to certain specific, non-collision incidents. Fire and Theft with CAC does not cover windshield claims.
Who Needs Physical Damage Coverage?
If you have a loan on your vehicle, or if you want to fully protect your vehicle, you should choose Physical Damage insurance.- Collision insurance will provide protection in case of a collision.
- Comprehensive insurance will provide protection against almost everything except a collision with another vehicle or object.
- Fire and Theft with CAC insurance is a limited form of Comprehensive insurance specially designed for specific heavy truck types.
Physical Damage Coverage Deductibles and Other Details
For Physical Damage insurance, you must choose a deductible. The deductible is the amount that you agree to pay out of pocket when you have a claim.Choosing a higher deductible is an easy way to lower the price of your insurance. Be sure you choose a deductible that you can afford to pay out of pocket at any time.
When you select Physical Damage insurance, you also are required to submit a Stated Amount, which is your best estimate of the current value of your vehicle. The Stated Amount should take the age and condition of your vehicle into account, as well as any permanently attached equipment. Learn more about Stated Amount and how to calculate it for your vehicle.
Physical Damage Coverage Examples
Example 1:
You're driving down the street when you hit a patch of ice. You lose control of your vehicle and run into a telephone pole.Your Collision insurance will pay for damage to your own vehicle because this was an accident in which you collided with another object.
If you selected a $500 deductible, you would pay the first $500 to have your vehicle repaired or replaced, depending on the extent of the damage, out of pocket. Your Collision insurance would then pay the rest of the repair or replacement costs, up to the Stated Amount that you submitted.
Example 2:
You leave your house one morning and realize that your van has been stolen.Because the loss was due to an incident other than an accident, either Comprehensive insurance or Fire and Theft with CAC insurance would be used.
If you chose a $500 deductible, you would pay the first $500 out of pocket to replace your vehicle. Your Comprehensive insurance or Fire and Theft with CAC insurance would then pay the rest of the cost to replace your vehicle, up to the Stated Amount that you submitted.
Physical Damage Coverage Exceptions and Restrictions
If you would like to have Collision insurance, you also must select either Comprehensive insurance or Fire and Theft with CAC insurance.In some states, Progressive offers Comprehensive insurance or Fire and Theft with CAC insurance only policies for seasonal businesses.
Learn more about insurance for seasonal businesses.
Physical Damage insurance cannot be applied to non-owned trailers, such as those used as part of a Trailer Interchange Agreement. Insurance for these trailers can be purchased separately as part of Trailer Interchange insurance.
Physical Damage Coverage
Physical Damage is a general term for a group of insurance coverages that protect your vehicle. This general term includes Collision insurance, as well as your choice of full Comprehensive insurance or the more limited Fire and Theft with Combined Additional Coverage (CAC) insurance.Collision insurance provides protection for your vehicle if it is damaged in an accident. Collision insurance pays to repair or replace your vehicle if it:
- Collides with another object
- Overturns or rolls
Fire and Theft with CAC provides similar protection to that of Comprehensive insurance, except its coverage is limited to certain specific, non-collision incidents. Fire and Theft with CAC does not cover windshield claims.
Who Needs Physical Damage Coverage?
If you have a loan on your vehicle, or if you want to fully protect your vehicle, you should choose Physical Damage insurance.- Collision insurance will provide protection in case of a collision.
- Comprehensive insurance will provide protection against almost everything except a collision with another vehicle or object.
- Fire and Theft with CAC insurance is a limited form of Comprehensive insurance specially designed for specific heavy truck types.
Physical Damage Coverage Deductibles and Other Details
For Physical Damage insurance, you must choose a deductible. The deductible is the amount that you agree to pay out of pocket when you have a claim.Choosing a higher deductible is an easy way to lower the price of your insurance. Be sure you choose a deductible that you can afford to pay out of pocket at any time.
When you select Physical Damage insurance, you also are required to submit a Stated Amount, which is your best estimate of the current value of your vehicle. The Stated Amount should take the age and condition of your vehicle into account, as well as any permanently attached equipment. Learn more about Stated Amount and how to calculate it for your vehicle.
Physical Damage Coverage Examples
Example 1:
You're driving down the street when you hit a patch of ice. You lose control of your vehicle and run into a telephone pole.Your Collision insurance will pay for damage to your own vehicle because this was an accident in which you collided with another object.
If you selected a $500 deductible, you would pay the first $500 to have your vehicle repaired or replaced, depending on the extent of the damage, out of pocket. Your Collision insurance would then pay the rest of the repair or replacement costs, up to the Stated Amount that you submitted.
Example 2:
You leave your house one morning and realize that your van has been stolen.Because the loss was due to an incident other than an accident, either Comprehensive insurance or Fire and Theft with CAC insurance would be used.
If you chose a $500 deductible, you would pay the first $500 out of pocket to replace your vehicle. Your Comprehensive insurance or Fire and Theft with CAC insurance would then pay the rest of the cost to replace your vehicle, up to the Stated Amount that you submitted.
Physical Damage Coverage Exceptions and Restrictions
If you would like to have Collision insurance, you also must select either Comprehensive insurance or Fire and Theft with CAC insurance.In some states, Progressive offers Comprehensive insurance or Fire and Theft with CAC insurance only policies for seasonal businesses.
Learn more about insurance for seasonal businesses.
Physical Damage insurance cannot be applied to non-owned trailers, such as those used as part of a Trailer Interchange Agreement. Insurance for these trailers can be purchased separately as part of Trailer Interchange insurance.
Motor Truck Cargo Insurance
Motor Truck Cargo insurance (Cargo) provides insurance on the freight or commodity hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), our coverage pays for the cost to remove debris or extract pollutants caused by the debris. We’ll also pay for costs related to preventing further loss to damaged cargo (Sue and Labor Coverage), legal expenses in the defense or settlement of Claims’ and even freight charges the customer loses because of not delivering a load (Earned Freight Coverage).Who needs Motor Truck Cargo insurance?
A growing number of risk managers require truckers to insure their cargo. You can meet that requirement with Progressive’s Motor Truck Cargo Insurance. It pays when you are responsible for damage to or loss of the cargo due to fire, collision or even hitting or running over the cargo that you transport on behalf of a client.Limits, Deductibles, and Other Details
When you select Motor Truck Cargo insurance, you have to select a limit for your coverage. This limit determines the maximum amount your insurance company will pay for damaged or destroyed cargo. You also need to choose a deductible. A deductible is the amount you agree to pay out of pocket when you have a claim. Choosing a higher deductible is an easy way to lower the price of your insurance, but be sure you choose a deductible that you can afford to pay out of pocket at any time.See What You Could Save
Get a quote online or call us at 1-888-806-9598 to see how much you could save on Motor Truck Cargo insurance from Progressive.Exceptions and restrictions
Motor Truck Cargo insurance is only available for for-hire trucking risks on policies with one or more of the following body types: dump truck, tractor, most trailers, box trucks, cement mixers, cargo vans, dually pick-ups, flatbeds and car haulers.Motor Truck Cargo insurance is not available on garbage trucks, limos, hearses, buses, passenger vans or ice cream trucks. The following cargo types are also excluded from coverage (other exclusions may apply):
- Art, jewelry, money, or paper
- Contraband, pharmaceuticals, tobacco, alcohol
- Live animals
- Property while in custody of any other carrier
- Property or goods owned by the insured
- Property not under Bill of Lading
- Storage greater than 72 hours
- Shipping containers
- Explosive or radioactive material
Motor Truck Cargo Insurance State-Specific Details
Motor Truck Cargo insurance is not available in all states and situations. Contact us to learn more.
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
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