"Keep Rolling. We've Got Every Mile Covered."
Protecting drivers, cargo, and transportation operations
Trucking companies face constant exposure to accidents, cargo loss, equipment damage, and regulatory requirements. Whether operating as an owner-operator, motor carrier, or fleet, transportation businesses must manage risks involving drivers, vehicles, freight, and contracts. A single accident or cargo claim can result in major financial loss, legal liability, or interruption of operations.
Properly structured insurance helps protect your trucks, your drivers, and the long-term stability of your business.
Key Risks in Trucking Operations
Trucking companies face exposure related to:
Auto accidents involving company vehicles
Cargo damage or loss
Driver injuries
Liability to the public
Equipment damage or theft
Regulatory and DOT compliance issues
Contractual liability requirements
Losses can occur even with experienced drivers and safe operations.
Core Coverages for Trucking Companies
Trucking insurance programs typically include:
Commercial Auto Liability — Protects against bodily injury and property damage claims arising from truck accidents.
Motor Truck Cargo — Covers freight being transported against damage, theft, or loss.
Physical Damage — Protects the truck and trailer against collision, fire, theft, and other covered losses.
General Liability (when applicable)Covers non-driving related liability exposure.
Workers Compensation — Provides coverage for employee injuries as required by law.
Trailer Interchange (when applicable)Covers trailers not owned by the insured while in their possession.
Umbrella / Excess Liability — Provides additional limits for severe auto or liability claims.
What’s Commonly Overlooked
Trucking insurance programs are often weakened by:
Incorrect driver or vehicle classification
Inadequate liability limits
Missing cargo coverage
Failure to list all drivers
Gaps between auto and general liability
Missing trailer interchange coverage
These problems often appear only after an accident or DOT review.
Real-World Claim Examples
A truck is involved in a serious accident
Cargo is damaged during transit
A driver is injured on the job
Equipment is stolen from a yard
A liability claim exceeds primary limits
Even one claim can threaten the business.
Why Proper Placement Matters
Trucking coverage varies significantly based on:
Type of freight hauled
Radius of operation
Number of trucks
Driver history
Contract requirements
Federal and state regulations
Improper placement can result in denied claims or loss of operating authority.
Our Approach
At Cory Washington & Co., we structure trucking insurance programs based on your actual operations, not just your DOT filing. We coordinate auto, cargo, liability, and excess coverage to ensure your business meets contract, regulatory, and real-world risk requirements.
When your business runs on the road, your protection has to keep up.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.