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Get a Free Commercial Truck Insurance Quote Today


Get quality protection from a trusted commercial truck insurance plan provider

"I got a great price for all of our vehicles, full commercial truck insurance coverage, roadside assistance and much more for a very good price."
Norma Leon from Bell, CA
★★★★★

Strong Tie Insurance - Your Commercial Truck Insurance Partner for Your Trucking Business

At Strong Tie Insurance, we understand the daily risks you face as a specialty vehicle and trucking operator. That’s why we have developed a reliable commercial truck insurance program designed to meet your specific truck insurance needs while saving you substantial premium dollars.

We offer comprehensive commercial truck insurance quotes in California. It’s vital for your commercial truck business to secure the appropriate truck insurance coverage—and fast. Contact us today!

Do you know if your trucking business is up-to-date with important state and federal insurance filings? Contact our professional team for more information about commercial auto insurance.

Every business owner can now get comprehensive insurance coverage. Reach out to us to get an insurance quote and learn about our business experience discount, declarations page, trailer interchange, logging device, add-on, rental reimbursement policy, and other discounts and policy options.

Get a Comprehensive Truck Insurance Coverage for Your Trucking Business

Get the appropriate truck insurance coverage you need from a trusted insurance provider.

Commercial Truck Insurance Policies and Coverages - Get Quote Today!

Here at Strong Tie Insurance, we specialize in offering affordable, personalized, and comprehensive commercial trucking insurance coverage options. We can help you tailor and select the trucking insurance coverage options that are the most suitable for you, from owner-operators to fleet accounts. We will help you navigate your commercial trucking insurance policies from start to finish.

Our commercial truck insurance coverage options include:

  • Workers Compensation for trucking companies and truck drivers
  • And more…

Our team aims to take the hassle out of securing effective commercial truck and vehicle insurance coverage.

We can offer you and your truck Annual Road Side Assistance for $149 per year. Visit our website and contact us today!

Commonly Insured Commercial Trucks

We offer our trucking insurance service to various types of motor carriers and vehicles. The types of commercial trucks that are commonly insured includes:

  • Straight Truck
  • Box Vehicle
  • Heavy Truck
  • Dump Truck
  • Semi Truck
  • Tow Truck
  • Garbage Truck
  • Flatbed Truck
  • Pickup Vehicle
  • And more!

You don’t need to worry about your truck, repair shops and your products now. Our trucking insurance company has got you entirely covered. Our auto policy differs from other truck insurance companies as we cover every sort of commercial truck physical damage to make sure we meet our clients’ needs each and every time!

The Need for a Commercial Trucking Insurance Company

Our commercial trucking insurance company offers a variety of insurance coverage options to personalize your protection. These liability policies are required by law, from either a single truck to even a wide fleet. People who may need truck insurance include:

  • Independent truck owner-operators / truck drivers
  • Commercial trucking businesses service
  • Any business that has trucks, vehicles, drivers, or a transportation-related activity

Visit our website and contact us to get your truck insurance quote! Every policy and service we offer will fulfill your needs and coverage concerns entirely. Business owners can now have the authority to drive safely and feel protected!

 

 

 

 

 

commercial truck insurance

Our Commercial Truck Insurance Plans Are The Best

From small trucking businesses to large logistics companies, we provide quality yet cheap truck and liability insurance to a wide range of business customers nationwide. Get your trucks insured. Contact us today!

We virtually cover every industry that uses commercial trucks in their trade. These are just a few of the industries we cover:

Also see our pages on:

Our Service Area and Locations

From our locations in California and Florida, we offer a wide variety of trucking liability insurance options in six different states. Contact us today!

  • California
  • Washington
  • Oregon
  • Texas
  • Nevada
  • Arizona

Benefits Of Commercial Trucking Insurance for your business

  • It provides total truck coverage.
  • It can help minimize financial and product losses.
  • It promotes business continuity.
  • It protects the business image.
  • Protect Your Business and Authority

Contact Us Now!

To get started, call our team now at (844) 961-6161 or Contact us today! By filling out our contact form from our website or getting in touch with our customer service to get more information about our commercial vehicle insurance service or request a free vehicle/car insurance quote. Get quote from home.

You may need your driver’s license, driving records, or driving history to follow our insurance policy requirements. According to the type, our employees will facilitate your personal auto vehicle and share the best options and discounts for the most suitable coverages for you.

As a top commercial truck insurance company, our expert team at Strong Tie Insurance will work closely with you to make sure that you get the types of insurance that will protect both your truck drivers and vehicles alike.

Commercial Truck Insurance

★★★★★
As far as I'm concerned Maria Meza is the best insurance agent on the planet. I'm in the trucking business and often need quick changes or add ons quick. Maria will get back to you fast via email or phone. She will get the best results for you and at the best price and policy you need.This Friday afternoon I sent a email stating I need a change and within 5 min she called and said already working on it and done Monday. Thx Maria, Perry Delman.. Satisfied loyal customer
Perry D.

Get a Cheap Truck Insurance Estimate for Your Commercial Trucking Business. Call us today!

Commercial Trucking Insurance FAQs

As a truck insurer, you must know that there are a variety of factors that impact your commercial trucking insurance cost.

If you are a new commercial trucking company, you can expect to pay between $12,000 and $18,000. In some cases, commercial truck insurance prices could be as high as $30,000.

Suppose you are an owner-operator that is leased onto a motor carrier, the national average commercial truck insurance costs between $2,000 and $4,000. Contact us today!

The term “full coverage” doesn’t necessarily describe a specific type of commercial truck insurance.

Usually, this means a truck insurance policy that has the required liability insurance and contains comprehensive and collision coverage.

The comprehensive commercial truck policy helps repair or replace your commercial truck if it’s stolen or damaged products by acts of nature or vandalism.

Having collision coverage in your commercial truck insurance policy can repair or replace your commercial truck if it’s in an accident with another object. Alternatively, full truck coverage often depends on the kind of vehicles or trucks you are insuring as well and the products involved.

The most common trucking coverage costs for commercial vehicles cost between $75 and $150 per month for cars and between $130 and $400 for commercial trucks.

Of course, full insurance commercial coverage for your truck or vehicle might include additional types of insurance, which also impacts the total price. Contact us today!

Commercial trucking insurance protects heavy automotive and transport businesses. Depending on the type and number of vehicles, type of route frequented, and kind of cargo—a business may need basic and additional trucking insurance coverage:

Basic Coverage

General Liability Insurance

This is also called public liability insurance and is usually required by most states. It covers property damage and physical injuries resulting from day-to-day operational activities, excluding road accidents.

Workers’ Compensation Insurance

Worker’s compensation is also mandated by the states. It covers employees’ medical bills and lost wages in case of work-related injuries. It can be used when an employee gets injured or sick from loading cargo or is exposed to a hazardous chemical.

Trucking Liability Insurance 

Trucking liability insurance covers physical injuries and property damages incurred from truck driving or operation. Each state requires a minimum amount of coverage for trucking businesses:

  • Federal law requires those who haul non-hazardous cargo with a gross weight of 10,000 pounds or more to employ a minimum of $750,000 of truck liability insurance coverage.
  • A commercial truck carrying hazardous material, excluding explosives, with a gross weight of 10,000 pounds or more is required to have a liability insurance coverage of $1,000,000.
  • Those carrying explosives with a gross weight of 10,000 pounds or more needs to have $5,000,000 in trucking liability coverage.
  • Trucks loaded with non-hazardous cargo with a gross weight of fewer than 10,000 pounds should have $300,000 of insurance coverage.
  • A truck carrying hazardous material with a gross weight of under 10,000 pounds needs to be covered by $5,000,000-worth of insurance.

Motor Truck Cargo Insurance

This type of trucking insurance covers the items loaded on a truck in case they get damaged, lost, or wrongly delivered.

Physical Damage Insurance

This covers damages and repairs to the truck caused by accidents, natural disasters, theft, and vandalism. It has two types:

  • Comprehensive coverage – insures damages caused by fire and theft.
  • Collision coverage – insures damages resulting from accidents.
Additional Coverage

Non-Trucking Liability Insurance

Non-Trucking Liability Insurance is an extension of trucking liability coverage. It covers bodily injuries and damages, i.e., medical bills, replacements, and repairs, that happen to other people when a truck is out for non-business-related purposes.

This type of trucking insurance applies to drivers leasing from a motor carrier.

Bobtail Insurance

This is a type of liability insurance that covers the driver and the truck when it is out for business but not hauling cargo, as in being outside the fetching and delivering shipment window. Some motor carriers require leased drivers to carry this type of insurance.

Trucking insurance premiums are usually expensive. Here are the most common factors affecting their rates:

Trucks Are Expensive

When a truck is involved in an accident and needs to be replaced, insurance companies often have to pay more than they would for a car. Accidents are just among the many reasons why it is more expensive to insure.

They Are Prone to Damage on the Road

When driving in low-clearance areas, trucks can be wrecked, and because they are more difficult to manage, they are more likely to hit something than a standard passenger car.

Truck Accidents Can Cause Severe Injuries

If a trailer truck hits another motorist in an auto accident, the likelihood that the car driver incurs serious injuries is high.  As a result, insurance companies consider trucks and their drivers at a higher risk.

Trucks Can Cause Serious Property Damage

A regular pickup truck can inflict a lot of damage when in an accident due to its huge size and heavyweight. In an unfortunate incident,  the damage may result in large damage to property claims.

Trucks Can Be Damaged While Driving on a Rough Terrain

Trucks often drive on off-roads. This can cause damage to them that your commercial insurance company will eventually have to cover.

It’s not always easy to lower trucking insurance premiums, but there are ways to maintain a minimum coverage:

Employ Experienced Drivers with Clean Records

Experienced truck drivers can better deal with difficult working conditions and so, insurance providers consider them less risky than newbies. Thus, they are more willing to issue lower premiums.

The same goes for truck drivers with clean driving records or with those two minor moving violations in three years, at most.

Know Your Trucking Routes

The routes on which trucks drive affect trucking insurance premiums. Roads away from high-population cities, not often affected by natural disasters, or that do not have rocky surfaces demand less insurance protection.

Drive New Models

The price, condition, and age of a truck also impact its insurance premium. Older models require more maintenance and/or repair, demanding more coverage as well. Stick to using trucks that are 10 years old at most.

Adjust Your Policy or Terms of Payment

You can opt for a higher deductible to get a lower premium, but it will require larger upfront costs if an accident happens.

Review your insurance policy first before proceeding with this. Not all coverages are created the same, and you can end up paying more in the end with a deductible adjustment.

The simple answer is yes, but the required types of insurance differ based on authority.

Owner-Operators on a Permanent Lease with a Motor Carrier

They are covered under the trucking company’s auto liability insurance. It insures third-party property damages and injuries incurred from an accident caused by the motor carrier.

Leasing owner-operators can also purchase additional coverage to extend what their policies protect. Some of the recommended insurance types are:

  • Non-Trucking Liability
  • Occupational Accident
  • Physical Damage Insurance
  • Trailer Interchange Coverage
Owner-Operators with Trucking Authority

Truckers with their own authority need auto liability insurance. The required limit starts at $750,000 but can go as high as $1 million. They should also consider purchasing general liability, physical damage, and cargo coverages.