Coverage we write for semi trucks
- Primary auto liability, usually $750,000 or $1,000,000, with your BMC-91X federal filing.
- Motor truck cargo sized to what you haul, including reefer breakdown when you need it.
- Physical damage for your tractor and trailer, at stated value.
- Non-trucking liability (bobtail) for leased-on owner-operators.
- Trailer interchange, general liability and occupational accident when your contracts ask for them.
Who we help
We work mostly with one- to ten-truck operations in the 34 states we write, from our home base in Charlotte, NC. That includes dry van, reefer, flatbed, car haulers, intermodal and dump operations.
What affects your premium
Carriers look at driver experience and MVRs, years under your authority, radius, commodities, loss history and your CSA scores. If you are a new authority, plan for a higher first year. We will tell you plainly which carriers are likely to write you and why.
What we need to quote
Your USDOT number (if you have one), driver list with dates of birth and license numbers, vehicle list with VINs and values, and any current dec page or loss runs. A phone call is enough to get started.
Frequently asked questions
What liability limit do I need for a semi truck?
The federal minimum for general freight is $750,000, but most brokers and shippers require $1,000,000. We usually quote both so you can compare.
Does my cargo policy cover reefer breakdown?
Only if it is added. Ask for reefer breakdown coverage if you haul temperature-controlled freight.