Trucking Insurance Guide for CA, AZ, WA & OR
Whether you’re hauling produce in Fresno, containers in Seattle, or freight through Phoenix, having the right trucking insurance can mean the difference between staying in business or going broke. Below is a complete breakdown of each coverage type, why you need it, and how they differ—explained in clear trucker terms.
Get a Fast QuotePrimary Liability Insurance
This is the law. FMCSA requires it to cover injuries or damage you cause to others in an accident. The standard is $750K, but many brokers and shippers demand $1M. Without it, you can’t operate legally or book loads. Think of it as your license to haul.
Protect Your AuthorityPhysical Damage Coverage
Accidents, theft, fire, or vandalism can take your rig off the road. This covers repair or replacement for your truck and trailer. Without it, one bad day could end your career.
Cover Your RigMotor Truck Cargo Insurance
Protects your load from loss or damage in transit. Most shippers expect $100K coverage minimum. If freight gets damaged or stolen, you get paid instead of paying out of pocket.
Cover Your CargoBobtail / Non-Trucking Liability
Covers you when you’re not under dispatch—like driving home after a drop. Many carriers require it for leased-on drivers.
Stay Covered Off-DutyGeneral Liability Insurance
Protects against non-driving claims such as slip-and-falls at your yard, property damage while loading/unloading, or other business-related incidents.
Shield Your BusinessReefer Breakdown Coverage
If you haul refrigerated goods, a reefer unit breakdown can cause expensive spoilage. This coverage pays for lost cargo value so you don’t eat the cost.
Protect Perishable LoadsTrailer Interchange Insurance
When pulling someone else’s trailer under a trailer interchange agreement, this protects against physical damage. Critical for drayage and intermodal work.
Cover Borrowed TrailersOccupational Accident Insurance
For owner-operators without workers’ comp, this covers medical bills, disability, and lost wages if you’re injured on the job. Keeps you earning even when you can’t drive.
Protect YourselfGet the Right Coverage, Right Now
Don’t leave your trucking business exposed. We specialize in helping truckers in California, Arizona, Washington, and Oregon find the right insurance at the best rates. Let’s protect your rig, your load, and your livelihood.
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