Truck Insurance Group

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Commercial Truck Insurance For Owner Operators and Small Fleets

Leading The Transport Industry Towards The Future

Truck Insurance Group is a full service truck insurance company specializing in commercial insurance, including Tractor Trailers, Straight Trucks, and Pickup Trucks.

We offer all lines of protection for these insurance needs, including but not limited to Trucking Liability, Non-Trucking Liability (Bobtail Liability), General Liability, Motor Truck Cargo, Physical Damage, Trailer Interchange, and Workers Compensation.

Our staff of truck insurance specialists will take the time to explain to you all required coverage's for your situation. Truck Insurance Group has over 20 years of experience in the commercial truck insurance industry and will work to get you the lowest rate possible for all of your truck insurance needs.

Contact us today if you need of a commercial trucking insurance quote, cargo insurance, icc authority, bobtail insurance, semi insurance, non-trucking liability or trucking liability insurance.

1300 Owner-Operators
3000+ Truckers

13+ Years Of Expertise
$80k In Savings

Types of Coverage

Primary Liability

This coverage option protects you from damage or injuries to other people as a result of a truck accident. This coverage is mandated by state and federal agencies and proof of coverage is required to be sent to them.

Physical Damage and Collision Coverage

This insurance is coverage for your truck and trailer. This coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles.

Motor Truck Cargo Coverage

Motor Truck Cargo insurance protects the transporter for his responsibility in the event of damaged or lost freight. The policy is purchased with a maximum load limit per vehicle.

General Liability

This coverage provides protection for injuries or property damage sustained while on your premises, using your products or services, or because of a breach of contract. Our company can offer you many lines of coverage for Artisans Contractors, Contractors Liability, Contractual Liability, Electrical Work, and Plumbing.

Non-Trucking Liability / Bobtail Coverage

Non-Trucking Liability (Bobtail Coverage) provides limited liability insurance for owner-operators who are permanently leased to an ICC regulated carrier. It provides limited liability protection when the owner-operator is not on dispatch, nor pulling a loaded trailer.

Trucking Authority

Permission granted by the federal government to transport regulated freight across state lines. Interstate Operating Authority is now granted by the Federal Motor Carrier Safety Administration (FMSCA)

National Network

We have agents in all 50 states.

24/7 Solutions

We are here for you any time.

Frequently Asked Questions

What does Primary Liability Insurance cover?

This coverage option protects you from damage or injuries to other people as a result of a truck accident. You select your limit of coverage at the time of purchase.

What Primary Liability limit do I need?

Tractor Trailers require a limit of $750,000 for operation, all other vehicles require coverage amounts according to the laws in their base state.

Is Primary Liability Coverage required by law to operate my truck?

Yes.

Am I covered if I travel over state lines?

Yes, coverage will carry over state lines.

What determines the premium of my Primary Liability Coverage?

Premiums for Primary Liability coverage are determined by several factors including:
+ Driving Record
+ Garage Location
+ Limit of Liability Coverage Desired
+ Type of Operation
+ Condition and age of equipment

What does Motor Truck Cargo Insurance cover?

Cargo Insurance covers the cargo you are hauling for a shipper, up to a set limit pre-determined by you at the time of policy purchase.

Am I required by federal law to carry Motor Truck Cargo?

No. It may be required by the company doing the shipping though.

What determines the limit of Motor Truck Cargo I should carry?

Ask the company you are hauling for what their cargo coverage requirements are.

What is the difference between Non-Trucking Liability, Bobtail, and Deadhead Coverage?

These are all different terms for the same type of coverage. They provide coverage protection for your truck when you are off the job (i.e. Getting the truck washed, repaired). While you are working, the company you are leased onto is responsible for your insurance coverage.

What do I need in order to obtain Bobtail/Non-Trucking Liability Coverage?

A permanent lease agreement (longer then 30 days)
Truck year, make, VIN #
Drivers Name, License #, Date of Birth
Loss Payee information (for physical damage only)
3 Years of experience in most cases

Why do I need Bobtail/Non-Trucking Liability Insurance?

The company you haul for only covers your insurance when you are working or hauling for them. When you are not working (i.e. getting repairs, getting the truck washed) the bobtail/Non-Trucking Liability Policy covers you.

Do you offer short term insurance so I can move my truck from one location to another?

If you are purchasing your truck from a dealer, we can provide you with short-term coverage up to a period of four days. This type of coverage is called Dealer Short Term Insurance. It is useful for an individual that would like to bring their vehicle home from the dealer lot but is not yet eligible for Bobtail/Non-Trucking Liability Insurance. The policy is charged at a rate of $35 per day with an additional premium for Physical Damage coverage if required.

veteran friendly trucking companies in illinois

What is ICC Authority/MC Authority?

Before you can legally operate as an interstate regulated carrier, you must be granted permission from the Federal Highway Admission in Washington DC.
Your ICC authority, is permission granted by the federal government to transport regulated freight across state lines (Interstate).

Who is required to have ICC Authority/MC Authority?

Any vehicle operating for hire in interstate transportation of regulated freight or passengers must have operating authority.

What is the minimum insurance coverage required to obtain an MC #/ICC Authority?

For Vehicles with a Gross Vehicle Weight Rating (GVWR) of 10,000 pounds or more:
$750,000 (BI &PD) for General Commodities (non-hazardous)
$1 Million (BI &PD) hazardous except class A & B explosives
$5 Million (BI & PD) Class A & B explosives, Hazardous materials transported in specified capacities in tanks or hoppers and/or any quantity of hazardous materials as specified in 49 CFR 173.403 of the Federal Motor Carrier Regulations.

For vehicles with a Gross Weight Rating (GVWR) of less than 10,000 pounds: $300,000 (BI & PD) for general commodities except any materials listed below.
$5 Million (BI & PD) Any quantity of Class A or B explosives, for any quantity of Poison Gas (Poison A) or highway route controlled quantity of radioactive materials.

Common Carriers: Must carry minimum liability as listed above plus $10,000 cargo insurance.

Broker Authority: Brokers must maintain a surety bond or trust fund in the amount of $10,000. We can arrange this for you.

Commercial Truck Insurance Quotes

Need To Get Trucking Insurance Fast?

We can help you get your authority certificate.

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Client Reviews

We go above and beyond to help you save.

Some of the best rates we have seen for our local driving positions.

Thomas S.

St. Louis, MO

The company has grown tremendously since I started working with them. They have helped me along my OTR journey get the right coverage.

Earnie M.

Chicago, IL

I was able to get specialized coverage for our new hazmat division in 48 hours.

Danny B.

Berea, KY

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