Standard Submission Items

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 When purchasing trucking insurance, it’s essential to consider additional coverages that may not be included in your standard policy. The following coverages are not automatically included and must be specifically requested or purchased separately (this list is forever under construction):

• Covers medical expenses and lost wages for employees injured on the job.
• Required in most states if you have employees.
• Alternative: Occupational Accident Insurance (for owner-operators or leased drivers).

• Provides additional liability protection beyond your primary policy limits.
• Essential for high-risk operations, large fleets, or contracts requiring higher coverage limits.

• Protects against claims of negligence or mistakes in professional services (e.g., freight brokers, dispatchers).
• Critical for companies handling contracts, logistics, or compliance advisory roles.

• Covers claims of wrongful termination, harassment, discrimination, or wage disputes from employees.
• Important for trucking companies with multiple employees or HR concerns.

• Protects against theft, fraud, forgery, and embezzlement by employees or third parties.
• Useful for companies handling significant cash transactions or sensitive freight.

• Covers data breaches, ransomware attacks, and identity theft protection for customer or business information.
• Essential for trucking businesses that store driver records, payment details, or use electronic logging devices (ELDs).

• Many truckers assume their Auto Liability covers everything, but General Liability is needed for: 
  • Slips and falls at premises (e.g., terminals, offices).
  • Customer property damage (excluding vehicle accidents and property in CCC).
  • Advertising injury (libel, slander).

• Protects brokers and logistics providers from cargo claims if a carrier’s insurance denies coverage.
• Required by many shipping contracts.

• Covers liability for vehicles your company rents, leases, or employees use for business (not owned by the company).
• Commonly overlooked when using rental trucks or employee-owned vehicles.

• Required for truckers hauling fuel, chemicals, or hazardous materials.
• Covers spills, contamination cleanup, and environmental damage claims.
• Recommended for truckers hauling liquids.

• Covers damage to customer vehicles stored or repaired at your facility.
• Important for trucking companies with repair shops, maintenance facilities, or towing operations.

• Covers damage to trailers that you don’t own but haul under interchange agreements.
• Essential if you haul trailers owned by customers, brokers, or leasing companies.
• Hired Auto Physical Damage if a TI agreement doesn't exist.

• Pays for rental trucks or lost income if your primary truck is damaged and out of service.
• Helps avoid revenue loss during repairs.

• Extends cargo protection for items outside normal trucking operations (e.g., tools, tarps, loading equipment).
• Covers specialized high-value loads that may have coverage gaps in standard cargo policies.

• Provides liability coverage when a truck is not under dispatch (e.g., driving home, personal use).
• Required for leased owner-operators in most cases.
• Unladen liability is the best coverage but difficult to find.

• Covers damage to heavy equipment or structures while being hoisted, lifted, or moved.
• Essential for trucking companies involved in heavy-haul, cranes, or specialized rigging operations.

• Covers mismanagement of employee benefits (e.g., 401(k), health plans).
• Protects trucking companies that offer employee benefits from financial liability.

• Protects against claims arising from defective products related to trucking services (e.g., custom-built trailers, truck accessories, or parts sold/installed).

• Provides an alternative to Workers' Compensation for independent contractors.
• Covers injury, disability, or death resulting from trucking-related accidents.

• Covers damage to cargo while stored in warehouses before or after transport.
• Critical for companies that store freight before delivery.

• Covers cargo left at terminals, depots, or storage yards for extended periods.
• Fills gaps in standard cargo policies that exclude long-term storage losses.

• Helps cover lost revenue, payroll, and expenses if a disaster (fire, weather, cyberattack) forces your trucking business to shut down temporarily.

• Required for freight brokers and certain types of specialized trucking operations.
• Ensures compliance with FMCSA requirements.

• Required for truckers hauling near or across railroad tracks.
• Protects against claims related to accidents involving railroad property.

• Covers costs of cleaning up cargo spills after an accident.
• Important for truckers hauling hazardous, bulky, or difficult-to-clean loads.

• Covers desks, computers, office equipment, and supplies in case of fire, theft, or damage.
• Essential for trucking companies with dispatch offices or terminals.

• Helps lower out-of-pocket expenses by reducing high deductibles on large fleet policies.
• Useful for fleets that self-insure or carry high-deductible policies.