Truck Insurance Coverages
With over 30+ years of experience in providing customized commercial truck insurance coverages at affordable rates, NITIC is counted among the most trusted insurance providers in America — offering unfailing customer support, the fastest claiming service, and flexible payment options.
Business & Commercial Truck Insurance Coverages We Offer
Comprehensive coverage at your affordability. We offer a wide range of business and commercial truck insurance coverages under one roof — everything your trucking operation needs to stay protected and legally compliant.
General Liability
Protects you against the cost of hefty medical bills and property damages done to a third party after an accident. Essential protection for any trucking business operating on public roads.
Liability Protection (Primary Liability)
If your trucker is held legally responsible for third-party property damage and physical injury, this coverage helps you cover all the costs including lawsuit expenses, medical bills, and settlements.
Physical Damage
Covers the cost of repairing or replacing your truck after an accident. To get blanket coverage, you can opt for combined additional coverage (CAC) for full protection against collision, fire, theft, and more.
Collision Coverage
Protects you against the cost incurred for the damage or replacement of your truck when it gets destroyed or impaired after colliding with another vehicle or object.
Comprehensive Coverage
Fully protects you from the loss or damage of your truck resulting from fire, theft, vandalism, natural disasters, falling objects, and other non-collision events.
Fire and Theft
When your truck gets badly damaged or you lose it after the event of fire, explosion, or theft, this coverage compensates for the loss and helps you get back on the road quickly.
Motor Truck Cargo Insurance
Offers coverage for the cargo you haul. Provides liability coverage when the shipment gets destroyed or damaged after a collision, theft, or fire — protecting you from shipper claims.
General Freight Coverage
Protects you from the potential risks of losing or damaging freight while it is on the move. Covers a wide range of commercial cargo types during transit.
Household Goods Movers Insurance
When you transit household goods, risks like misplacement, theft, and destruction can occur at any time. This specialized coverage protects you and your customers throughout the moving process.
Auto Haulers Coverage
Covers you from all the possible risks while hauling, on-loading, and off-loading vehicles in your truck. Essential protection for auto transport operators and car carriers.
Refrigeration Breakdown Coverage
Also known as reefer breakdown coverage, this protects you against spoilage of goods due to refrigeration malfunction — a critical coverage for refrigerated freight carriers.
Bobtail Insurance (Non-Trucking Liability)
A kind of liability protection when you drive the truck without a shipment — the idle time between dropping off one load and picking up the next. Protects you when operating off-dispatch.
Trailer Interchange
Protects you against physical damages to a trailer you are operating under a trailer interchange agreement. Covers fire, theft, vandalism, collision, and explosion.
Non-Owner Trailer Coverage
Fully protects non-owned trailers from physical damages arising out of fire, vandalism, collision, and other covered events when you are using a trailer you do not own.
Garage Keepers Legal Liability Insurance
Covers the damages resulting from fire, theft, or vandalism of vehicles that you have kept under your custody and care after providing towing or storage service.
On-Hook Towing Insurance
Covers the cost of repairing or replacing a vehicle after the event of fire, loss, or collision while you are in the process of towing it to another location.
Hired and Non-Owners Coverage (UIIA)
Whether you are hired or non-owners in the trucking business, you can get UIIA certificate coverage. Protects you when using equipment you do not own under interchange agreements.
Occupational Accident Insurance
Includes coverage for medical expenses, death, and disability of truckers after serious injuries on the job — important protection for independent owner-operators.
Why Choose NITIC?
Trusted by thousands of owner-operators and fleets across 48 states.
30+ Years of Expertise
With over three decades in commercial trucking insurance, NITIC delivers knowledgeable and reliable service to every client.
Quickest Insurance Solution
We specialize in fast turnaround. Most quotes are delivered same-day. Certificates of Insurance issued immediately upon binding.
Fast & Professional Claim Management
Our dedicated claims team handles your claims quickly and professionally, minimizing downtime so you can get back on the road.
Qualified and Dedicated Staff
Our licensed agents are experts in commercial trucking insurance and will find you the right coverage at the right price.
Instant Policy Renewal
Policy renewals are handled smoothly and quickly, ensuring no coverage gaps that could leave your operation exposed.
Unbeatably Affordable Rates
NITIC works with multiple carriers to find you the most competitive rates — maximum coverage at minimum cost.
Frequently Asked Questions
What does truck insurance cover?
Commercial truck insurance covers a wide range of risks including third-party bodily injury and property damage (liability), damage to your own truck (physical damage), cargo loss or damage (motor truck cargo), and additional coverages like non-trucking liability, trailer interchange, garagekeepers, and more. The specific coverages you need depend on your type of operation.
How much coverage do I need?
The FMCSA requires a minimum of $750,000 in primary liability for most interstate carriers hauling general freight, $1,000,000 for oil cargo, and $5,000,000 for hazardous materials. Many freight brokers require $1,000,000. Your specific needs depend on the cargo you haul, your operating radius, and requirements from your freight broker or motor carrier.
What will happen if I cancel my policy?
If you cancel your commercial truck insurance policy, you lose all coverage immediately. You will be unable to legally operate your truck and will be in violation of FMCSA regulations if you are an interstate carrier. NITIC can help you with policy changes, adjustments, or replacements to avoid any gaps in coverage.
How much will truck insurance cost?
The cost of commercial truck insurance varies based on many factors including the type of truck, cargo hauled, operating radius, years in business, driving history, and coverage types selected. NITIC offers competitive rates and works with multiple carriers to find you the best available price.
Ready to Get Protected?
Let NITIC build the right coverage package for your trucking operation. Fast quotes, same-day coverage available.