What trucking insurance coverages are available?

We offer primary liability, physical damage, motor truck cargo, non-trucking liability, trailer interchange, and occupational accident coverage for truckers and fleets.

Do you insure owner-operators?

Yes, we specialize in insurance for both owner-operators and large trucking fleets operating across Georgia, Alabama, and nationwide.

What is the minimum liability coverage required for commercial trucks?

Federal regulations require a minimum of $750,000 in liability coverage for most commercial trucks, with higher limits required for hazmat carriers. We can help you meet all regulatory requirements.

Trucking Insurance

Trucking operations face a level of exposure that most industries never encounter. Every mile on the road is a liability, every load is an investment, and every driver represents a risk that must be managed carefully. Whether you operate a single owner-operator rig or a large commercial fleet, having the right insurance program in place is not optional — it is the foundation your entire operation runs on.

Etowah Insurance Group specializes in building comprehensive trucking insurance programs that address every exposure your operation carries. We work with a broad market of carriers that understand the trucking industry, which means we can find competitive coverage for operations that standard markets often struggle to place — including long haul, refrigerated cargo, hazardous materials, and high-risk commodity haulers.

Liability and On-Road Coverage

Trucking Liability Insurance

Auto liability is the most critical coverage a trucking operation carries — and the one that regulators, shippers, and brokers require before a truck ever turns a wheel. We place primary auto liability coverage across a wide range of operations, including dry van, flatbed, refrigerated, tanker, and specialty freight haulers. We work with carriers that understand trucking risk and can accommodate operations that other markets decline.

General liability covers your operation for bodily injury and property damage that occurs away from the road — at loading docks, customer facilities, and anywhere your drivers or employees operate on foot. Combined with your auto liability program, it closes the gaps that an auto-only policy leaves open and gives your business the full liability protection it needs to operate with confidence.

Physical Damage and Cargo

Trucking Cargo Insurance

Your trucks and trailers are your most valuable assets, and physical damage coverage protects them against collision, upset, fire, theft, and other covered losses. We build physical damage programs for single units and large fleets, and we work with carriers that offer competitive rates on newer equipment as well as older units that standard markets often restrict or exclude.

Motor truck cargo coverage protects the freight you haul against loss or damage while in your care, custody, and control. For refrigerated and temperature-controlled operations, reefer breakdown coverage is essential — it covers cargo losses that result specifically from a mechanical failure of the refrigeration unit, a gap that a standard cargo policy does not fill. We make sure your cargo program addresses the commodities you haul and the risks that come with them.

A Complete Trucking Insurance Program Includes:

A properly structured trucking program goes well beyond auto liability. It covers every exposure your operation carries — from the road to the loading dock to your employees and the freight they haul. We review your operation in detail and build a program that addresses each area of risk, so nothing falls through the cracks when a claim occurs.

We work with carriers that specialize in commercial trucking, which means better pricing, broader coverage terms, and fewer surprises at claim time. Whether you are an owner-operator, a small fleet, or a large carrier, we have the market access and the expertise to build the right program for your operation.

Primary Auto Liability
General Liability
Physical Damage
Motor Truck Cargo
Reefer Breakdown

Workers Compensation
Occupational Accident
Trailer Interchange
Non-Trucking Liability
Umbrella / Excess

At the central core of your risk management

Licensed Insurance Broker • All 50 States

Trucking Insurance

Liability and On-Road Coverage

Physical Damage and Cargo

A Complete Trucking Insurance Program Includes:

At the central core of your risk management

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