Trucking Insurance 

Commercial truck insurance that includes public liability coverage is required for trucking companies to comply with state and federal regulations. In addition to this coverage, you may also need policies to protect your trucks, trailers, and the goods you haul. 

Contact Geswein Insurance Agency in Powell, Ohio, today to get trucking insurance that meets your organization’s needs. 

Trucking Liability Insurance 

Public liability insurance, also called primary liability insurance, helps pay for third-party losses when a truck driver is at fault in an accident. The Federal Motor Carrier Safety Association (FMCSA) requires that truck drivers carry a minimum amount of public liability coverage according to the type of goods they haul. 

Commercial auto insurance that includes Ohio’s minimum required amount of liability coverage is also mandatory for truck drivers and trucking operations. This policy helps cover the truck driver’s legal liability if they are at fault in an accident. 

What Kind of Insurance Do You Need to Haul Goods? 

Carriers are responsible for the goods in their possession until delivery unless contracted for otherwise. In addition to liability insurance policies, truck drivers may also need specialized insurance to cover the goods they haul. 

Motor truck cargo insurance helps cover claims for accidental loss or damage of cargo. This coverage helps provide essential financial protection for shippers, owner operators, and trucking companies responsible for hauling goods. 

Motor truck cargo insurance policies are designed to meet the needs and exposures of the carrier. Policies and endorsements may be written to address the specific goods hauled. 

Cargo insurance policies typically cover interstate and intrastate carriers and specialty truckers hauling: 

• Automobiles
• General dry freight
• Refrigerated goods
• Dump truck loads 

How Much Does Trucking Insurance Cost? 

Your truck insurance policy premiums may vary compared to a similar company’s trucking insurance costs. The best way to understand your potential trucking insurance costs is to work with your agent to get personalized quotes from multiple commercial truck insurance companies. 

How To Purchase Commercial Truck Insurance 

Each trucking operation has unique insurance needs. Talk with the agents at Geswein Insurance Agency today to get help building a commercial trucking insurance policy tailored to meet the needs of your trucking company.