Protecting your business on the open road.
Trucking & Transportation Insurance with Barnard Donegan Insurance
Protect Your Business on the Open Road
The trucking and transportation industry plays a vital role in keeping goods moving, but it also comes with unique risks and liabilities. Standard auto insurance doesn’t provide the level of protection commercial truck operators need. That’s why Barnard Donegan Insurance offers custom trucking insurance policies designed to safeguard your business, vehicles, cargo, and drivers.
Why Do You Need Specialized Trucking Insurance?
Trucking insurance is more than just coverage for accidents—it’s a comprehensive risk management solution for commercial transportation businesses. Whether you own a fleet of long-haul semi-trucks, operate delivery vans, or manage freight logistics, our policies provide the custom protection you need to keep your business running smoothly.
1. Commercial Auto Liability Insurance
✔ Bodily Injury & Property Damage – Covers damages caused to other drivers, vehicles, or property in an accident where your truck is at fault.
✔ Required for FMCSA Compliance – Meets federal and state insurance requirements for motor carriers and freight transporters.
✔ High Liability Limits – Tailored policies to ensure coverage for large-scale accidents and lawsuits.
2. Physical Damage Coverage for Trucks & Trailers
✔ Collision Insurance – Pays for repairs or replacement of your truck if damaged in an accident, regardless of fault.
✔ Comprehensive Coverage – Protects against theft, fire, vandalism, and damage from severe weather events.
✔ Trailer Interchange Coverage – Covers trailers owned by other companies while in your possession under a trailer interchange agreement.
3. Motor Truck Cargo Insurance
✔ Covers Lost, Stolen, or Damaged Cargo – Protects the goods you transport from fire, theft, accidents, and natural disasters.
✔ Customizable Limits Based on Freight Type – Ensures you have adequate protection for high-value cargo, including electronics, perishables, and hazardous materials.
✔ Legal Liability Coverage – Meets customer and regulatory requirements for freight carriers and logistics companies.
4. Bobtail & Non-Trucking Liability Insurance
✔ Covers Trucks When Not Under Dispatch – Protects your semi-truck while driving for personal use or between jobs.
✔ Essential for Independent Owner-Operators – Fills the coverage gap when not hauling loads under a motor carrier’s policy.
✔ Peace of Mind for Lease Operators – Helps satisfy leasing company requirements for liability protection.
5. General Liability & Workers’ Compensation
✔ Third-Party Injury & Property Damage – Covers slip-and-fall accidents, legal defense costs, and damage caused by your business operations.
✔ Workers’ Compensation Insurance – Protects drivers and employees injured on the job with medical coverage and wage replacement.
✔ Employment Practices Liability (EPLI) – Protects against claims of harassment, discrimination, or wrongful termination from employees.
Additional Coverage Options for Trucking Businesses
Every trucking operation is different, which is why we offer specialized add-ons to match your specific needs:
🚛 Reefer Breakdown Insurance – Protects temperature-sensitive cargo in case of refrigeration unit failure.
🚛 Hazmat & Specialized Cargo Coverage – Ensures compliance and protection when transporting hazardous materials.
🚛 Rental Reimbursement & Downtime Coverage – Helps cover rental truck costs or lost income due to unexpected repairs.
🚛 Cyber Liability Insurance – Protects against data breaches, ransomware, and cyber fraud affecting logistics operations.
Who Needs Commercial Trucking Insurance?
Our trucking and transportation insurance policies are designed for:
✔ Owner-Operators – Independent drivers with their own trucking authority or leased to a motor carrier.
✔ Fleet Owners – Businesses with multiple commercial vehicles in freight hauling, logistics, and transport services.
✔ Freight Brokers & Logistics Companies – Coverage for liability risks associated with coordinating cargo shipments.
✔ Hotshot Truckers – Small trucking operations transporting urgent loads using medium-duty trucks.
✔ Box Truck & Delivery Van Businesses – Protection for Amazon, FedEx, UPS, and last-mile delivery services.
Why Choose Barnard Donegan Insurance for Trucking Coverage?
✔ Industry Expertise – We understand the unique risks of trucking, logistics, and transportation.
✔ Custom Policy Options – Coverage tailored to fleet size, routes, cargo type, and operational needs.
✔ Competitive Rates – Access to top-rated commercial trucking insurance carriers for affordable protection.
✔ Dedicated Claims Support – We help you navigate claims efficiently to keep your business running.
✔ FMCSA & DOT Compliance – Ensures you meet federal and state regulations for trucking insurance requirements.
Get a Custom Trucking Insurance Quote Today
Whether you’re an independent owner-operator, fleet manager, or freight broker, having the right trucking insurance is essential to protecting your vehicles, cargo, and business operations.
Let’s build a policy that keeps your trucks on the road and fully protected.
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