From liability to cargo, we keep your fleet covered.
Running a trucking company means paperwork and detail on top of hiring drivers, buying trucks, and staying compliant — and the risk of an accident on America's crowded highways never fully goes away. Simplex Group has protected trucking businesses nationwide for 25+ years, building commercial truck insurance around your operation, not a one-size-fits-all policy.
Every coverage, one broker
Liability, cargo, physical damage and more — quoted and placed under one roof.
Insurance + DOT + permitting
Filings, certificates and FMCSA compliance handled in-house.
Simplex Group at a glance
Every commercial trucking insurance program we write
As your business partner, we build a program around your operation — new venture or established fleet — combining the coverage lines below into one policy backed by real market options.
Commercial Trucking Liability
For new ventures and established fleets, auto haulers, straight trucks, mixed-radius and intermodal operations — coverage for one truck or an entire fleet, with UIIA and trailer interchange available for local, intermediate and long-haul runs.
Trucking Cargo Coverage
Protects dry goods, flatbed, reefer, auto-hauler and general-freight loads as they move across the country, with reefer breakdown and spoilage options available.
Physical Damage
Damage coverage for individually owned trucks and full fleets alike — protecting your equipment against collision, theft, fire and more.
Non-Trucking Liability & General Liability
Covers you off-dispatch, without a load under your own name, plus general liability for risks beyond the truck. Additional coverages are available based on your unique exposure.
What is commercial trucking insurance?
Commercial truck insurance is a group of specific commercial auto insurance policies designed to meet the needs of trucking businesses. The Department of Transportation sets auto insurance requirements for every motor carrier that crosses state lines, and commercial truck drivers need more coverage than a car driver would. A basic policy covers your trucks in an accident, while collision and comprehensive coverage protects against a broader range of perils.
Specialized commercial truck insurance for your fleet can include coverage for specific liability issues and additional perils, plus cargo coverage to protect the freight you haul. Beyond basic and specialized coverage, you can add non-trucking options — occupational accident coverage protects your drivers in the event of an accident, dismemberment or death, and non-trucking liability protects you when a truck isn't transporting cargo.
Simplex Group has more than 25 years of expertise servicing trucking businesses nationwide. Our team handles your commercial truck insurance and provides the coverage you need to make your business a success — supporting transportation entrepreneurs with the most complete services in America's trucking industry.
Who needs commercial truck insurance?
Commercial transportation businesses, independent truck drivers, independent owner-operators, and any business with trucks, drivers or transportation-related activity need to carry commercial truck insurance. Whether you operate a single truck or a fleet spread across the country, basic commercial truck insurance is required by law — and unlike ordinary commercial auto insurance, it's built specifically for cargo and trucks. Per the Federal Motor Carrier Safety Administration (FMCSA), any commercial operation of a truck must hold a commercial truck insurance policy.
As your business partner, our goal is to give you the best insurance value for your dollar with ideal customer service — balancing your needs with cost-effective programs that offer unique coverage and superior protection. Together we build a plan that includes liability, employee benefits, physical damage, motor truck cargo, risk services and fleet safety.
What are the commercial trucking insurance requirements?
Trucks are the backbone of American commerce, carrying the large majority of the country's freight and moving billions of tons of materials every year. With that much on the road, the FMCSA has strict rules about insurance coverage. Freight trucks are heavy, capable of causing extensive damage, and are frequent targets for cargo theft — so without proper insurance, trucks can't legally run. The FMCSA won't issue operating authority without proof of liability and cargo insurance, and the exact coverage depends on the type of freight you haul; hazardous-materials carriers face stricter rules and higher required limits.
Commercial vehicles that carry goods across state lines also need a USDOT number — required for any commercial truck over 16,000 lbs GVW, or any vehicle transporting hazardous materials that require placards.
Minimum required coverage depends on what you haul: a minimum of $300,000 for non-hazardous freight moved in vehicles under 10,001 lbs, $750,000 for non-hazardous freight in vehicles over 10,001 lbs, $1,000,000 for oil moved by for-hire and private carriers, and $5,000,000 for other hazardous materials moved by for-hire and private carriers.
Most commercial truck insurance programs combine several of these coverage types — cargo, liability, personal injury protection (PIP), physical damage, uninsured/underinsured motorist, general liability and non-trucking liability. The most important is liability insurance: if one of your drivers is responsible for an accident, it covers medical bills and ongoing care for anyone injured, plus long-term care, rental reimbursement or auto repair as needed — coverage that can be the difference between a routine claim and financial ruin for a small trucking company.
What is the average commercial truck insurance cost?
Commercial truck insurance cost varies widely depending on cargo, route, vehicle type, location and driving history. If you're hauling cargo, the type of freight matters — some goods are more dangerous to transport, and hauling hazardous materials will push your premium higher.
The vehicle being insured matters too: a large semi-truck can do more damage than a tow truck, so it costs more to insure, and newer trucks are usually pricier to insure since they cost more to replace or repair. Route matters as well — trucks running a larger radius are exposed to more risk, and longer routes mean longer hours on unfamiliar highways, so they typically cost more to insure. Rates also vary by state due to weather and traffic patterns.
Driving history remains one of the biggest factors. Just like a personal auto policy, violations and accidents raise your insurance cost given the potential impact of an accident involving a large truck — a clean driving record can save hundreds of dollars a month or more, depending on the size of your fleet. Our team works to find the most competitive rates for every client, building a policy that protects your business while staying within your budget.
Not just a quote form that disappears
You get a real broker who knows trucking and handles the whole lifecycle — quote, bind, filings, renewals.
25+ years, 10,000+ trucking companies
A book built over decades — carriers pick up when we call, and you get real market options, not one quote.
One broker for everything
Insurance, DOT compliance, and permitting under one roof — not four vendors and a spreadsheet.
Real agents, fast quotes
Give us the basics once; a licensed agent comes back with real numbers — not a call-center loop.
Annual reviews, always
Your business changes and grows — we recommend a yearly policy review so you're never paying for coverage that no longer fits your operation.
Frequently asked questions
How to get a quote for commercial trucking insurance?+
What does primary liability trucking insurance cover?+
Other services
Simplex Group is a full-service trucking partner — insurance is one piece of a much larger toolkit.