Semi Truck Insurance
NITIC is dedicated to providing semi truck owners and operators with the best and most economical semi truck insurance coverage. With hundreds of 5-star Google reviews and an A+ rating with the BBB, NITIC is your trusted semi truck insurance company for fast, reliable quotes. For decades, clients across America have depended on us for a flexible coverage and payment options, specialist assistance with heavy-duty truck claims, free insurance filings, discounts, and knowledgeable support.
Get Top-Notch Semi-Truck Insurance With Optimal Coverage From the Most Reliable Insurer!
Semi truck insurance can be risky, especially for novice truck owners-operators or truck drivers. Knowing the fundamental criteria and possibilities for tractor trailer insurance can help you safeguard your trucking company, no matter how big or small it is.
Your insurance requirements may change, depending on whether your truck is a member of a fleet or you operate it alone. If you are dispatched by a motor carrier, you are covered for liability under the motor carrier’s primary trucking insurance, but there may be other coverage gaps.
Our team of commercial truck insurance experts can guide you through the process and assist you in quickly and affordably locating the right coverage plan for your trucking business.
About NITIC
As a nationwide leader in semi truck insurance, NITIC has over 30 years of experience in providing insurance solutions to our clients. With hundreds of 5-star Google reviews and an A+ rating with the BBB, NITIC is your trusted semi truck insurance company for fast, reliable quotes. Our exceptional customer support and sales team, affordable semi truck insurance, fastest claim settlement policy, and quality service distinguish us from other commercial insurance policy providers.
What is semi truck insurance?
Semi-truck insurance, also known as commercial truck insurance, is a type of insurance policy specifically designed to protect businesses and individuals who operate semi-trucks or tractor-trailers for commercial purposes. These commercial trucking insurance policies provide coverage for a range of risks associated with operating large trucks, such as bodily injury liability, property damage liability, collision coverage, comprehensive coverage (for non-collision incidents like theft or vandalism), medical payments, uninsured/underinsured motorist coverage, and cargo insurance.
Since semi-trucks are involved in transporting goods over long distances and often operate in various conditions and environments, having adequate insurance coverage is crucial to protect against financial losses in case of accidents, injuries, or damage to property. The cost of semi-truck insurance can vary based on factors such as the value of the truck, the type of cargo being transported, the driving history of the operators, and the coverage limits selected.
What type of coverages are included in semi truck insurance?
Bodily Injury Liability
Property Damage Liability
Additional Coverages
Semi Truck Insurance by Type
Owner Operators: Whether you’re operating under a permanent lease with a motor carrier or your own authority, as an owner operator, securing semi truck insurance is essential. It’s prudent to also explore additional coverages such as Trailer Interchange Insurance and Non-Trucking Liability Coverage.
Motor Carriers: Motor carriers employing for-hire truckers or permanently leasing independent contractors must have semi truck insurance to safeguard their vehicles and business operations. Even if you have Primary Liability Insurance through your carrier’s authority, it’s advisable to consider supplemental coverage like Non-Trucking Liability Insurance and Physical Damage Coverage to ensure comprehensive protection for your fleet.
Private Carriers: Private carriers transport goods using their own trucks for a specific company or employer. It’s wise for private carriers to invest in semi truck insurance to shield their trucks and businesses from potential liability claims, including bodily injury or property damage, in the event of on-the-job accidents.
What Kind Of Commercial Trailers Do We Insure?
Whether you are operating a dry bulk cargo truck, 18-wheeler dump trailer, or box truck, NITIC offers affordable trailer insurance coverages that meet your requirements and price range. The types of tractor trailers for which we offer insurance coverage are as follows:
- Flatbed Trailer: A flatbed trailer is an open deck device that has neither sides nor a roof, mostly used to move bulky, wide, heavy, and insensitive items like machinery, building materials, or equipment. While the flat shape of the body makes it considerably simpler to load and unload cargo, the trailer's open design also makes it more susceptible to adverse weather conditions. But don't worry; we'll protect your shipment.
- Utility Trailer: It is a tiny, non-motorized vehicle with an open-top rear cargo space (bed) that is used to transport light loads, such as furniture, bikes or ATVs, building materials, appliances, and other personal items.
- Auto Hauler Trailer: Auto hauler trailers, often referred to as car hauler trailers are available in a variety of sizes and designs. We offer personalized cargo insurance that covers you, your vehicle, and the cars you move, whether you tow a single vehicle or the heaviest commercial tractor trailers.
- Dump Body Trailer: It has an open-box bed that is split at the back and has mechanical rams to elevate the front, enabling the contents of the bed to be dumped to the field alongside the truck at the delivery location. It is widely used for both the transportation of coal and materials for construction, such as soil, gravel, or demolition waste.
- Dry Freight Trailer: Typically used for non-perishable items (for not having temperature control), such as paper, plastic, and other miscellaneous commodities, a dry van trailer is a fully closed and sealed box, protecting the freight from external influence while the other risks are covered by us.
- Additional Trailers: Apart from the above, we also cover the bulk commodity trailer, pole trailer, concession trailer, tank trailer, lowboy semi-trailer, refrigerator trailer, and dry van trailer.
How Much Does Insurance For Semi Trucks Cost?
- What is your ownership status - are you an owner-operator or owned tractors for your own business purposes?
- Risks associated with the cargo types.
- Types of insurance coverage you've chosen.
- The past driving record.
- Driving distance - whether you are a long haul or short haul.
- Your claim history.
- Truck value - the more expensive the truck, the higher its insurance value.
- Experience with commercial driver's licenses: the more experience, the lower the rates.
Why Choose NITIC As Your Semi-truck Insurance Company?
National Independent Truckers Insurance Company, RRG is based on offering semi-trailer truckers quick, thorough, and affordable insurance options. We welcome both novice and experienced trucking businesses and drivers and provide them with the best coverage to suit their individual needs.
We are aware of the numerous risks involved in on- and off-loading freight. For this reason, we believe in providing full coverage for semi-trucks at the best and most reasonable prices.
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Sheri is the best customer service rep around. Very pleasant and very informative.
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TESTIMONIALS
FAQs
- Owner-operators who are leased to a trucking company,
- And owner-operators who operate on their own authority.
Yes, you do. Each state mandates minimum insurance limits for bodily harm liability and physical damage liability. Physical damage insurance, which covers for loss to your semi-trailer if it is damaged in an accident or due to another covered risk, will also be required by your lender if you still owe money on your semi-truck.
In some circumstances, your motor carrier will provide liability insurance. In other situations, you’ll need to acquire your liability policy in addition to any additional coverages you might require to adequately safeguard your trucking company.
- General Liability Insurance
- Motor Cargo Insurance
- Bobtail Insurance
- Worker’s Compensation Insurance
