Title: Commercial Trucking Insurance
Author: Chris Langille
Published: March 9, 2016
Last modified: October 26, 2022

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#  Commercial Trucking Insurance

As a private carrier, you are responsible for hauling goods in your own truck for
your company or employer. Whether you’re working in construction, excavation, manufacturing,
or any other private carrier capacity, we have truck insurance solutions for you.

**Primary Liability** – Every trucker/trucking company who operates under their 
own authority is required to carry primary liability coverage on all owned units
and either provide this insurance for their leased vehicles or insure that the leased
operator carries it on their own.  Generally, the motor carrier provides this coverage
for the leased operators but there are rare instances when this is not the case.

**Cargo Insurance **– Provides coverage for loss or damage to the property a truck
is transporting (the load). Generally, though not always, provided by the motor 
carrier for leased operators.

**Physical Damage (Collision, Specified Perils)** – Provides coverage for repair
or replacement for damage resulting from a covered loss (collision, fire, theft,
hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.

**Occupational Accident** – Product designed specifically for owner operators in
the trucking industry. In most states, by being self-employed owner operators can
opt out of state mandated workers compensation coverage. While not the same as workers
compensation, occ/acc is similar in scope and intent. Most motor carriers require
their leased operators to be covered either by workers compensation or occ/acc at
the leased operators expense. For those who qualify, occ/acc is generally a lower
cost alternative.

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