Trucking Insurance
Driving Compliance and Protecting Your Fleet
Operating a trucking or transport business comes with complex risks and rigorous federal and state regulatory requirements. Virtue Insurance Agency specializes in Motor Carrier coverage, ensuring you meet all legal mandates while protecting your valuable assets, cargo, and livelihood.
Core Trucking Coverages
Primary Auto Liability
Mandatory by the Federal Motor Carrier Safety Administration (FMCSA) to cover injuries or damage to others caused by your truck. The required limit varies based on the type of commodity hauled (e.g., hazmat requires higher limits).
General Liability for Truckers
Covers liabilities not directly related to the operation of the truck, such as an injury sustained at a truck stop or during the delivery/unloading process.
Physical Damage Coverage
Pays for damage to your truck or trailer, whether from a collision, fire, theft, or vandalism. Often split into Collision and Comprehensive.
Non-Trucking Liability (NTL)
Coverage for owner-operators who are leased to a motor carrier when the truck is being used for non-business purposes (e.g., personal errands).
Motor Truck Cargo Insurance
Vital coverage protecting the commodities you are hauling against loss or damage due to fire, collision, or shifting during transit. Key Consideration: This coverage needs to match the value of the goods transported.
Navigating FMCSA & DOT Requirements
Compliance is Key: We work with you to ensure your liability limits meet the minimum financial responsibility requirements mandated by the Department of Transportation (DOT) and FMCSA, which is essential for maintaining your operating authority.
Radius of Operation: The distance you travel (local, intermediate, or long haul) dictates pricing and coverage needs. We tailor policies for specific operational territories.
Driver Qualification: Policies depend heavily on driver history. We help fleet owners implement policies to manage driver risk and keep premiums competitive.