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Long-Haul Trucking Insurance

What Are the Parts of Long-Haul Trucking Insurance?

Because business insurance coverage should be customized to match your individual business plan and the services you offer, insurance is becoming increasingly modular. This allows for a great deal of individual control when you’re looking to modify your current insurance coverage or are looking for a new company. This is especially true in the long-haul trucking industry because insurance requirements can fluctuate based on a large number of factors such as the state, the materials being transported, and whether you’re an independent contractor or own a larger long-haul trucking business. Here are some elements of coverage that you should always keep in mind when looking for an insurance plan that best fits your business:

  • Auto liability and auto physical damage: These two components of insurance are often mistaken for each other but both are essential. One covers you in the event of an accident in which you are liable for damages to another’s property and the latter provides coverage for damages to your own property — in this case, your vehicle.
  • Hired and non-owned coverage: Similar to the liability insurance listed above, hired and non-owned coverage covers you for damage caused by a vehicle you hire, or a vehicle that belongs to one of your employees,  any event of injury or property damage.
  • Motor truck cargo: Because the cargo or freight being hauled by a trucker is not covered through auto-specific insurance coverage, it is essential that you add this component to your plan because it covers your liability for Lost and damaged cargo
  • Terminal operations: This insurance option is to prevent catastrophic loss. It covers damage to vehicles that are stored together in locations such as a garage or lot.


If you’d like to learn more about why Prime Insurance Company is a preferred provider for long-haul trucking contractors and companies, please contact us here. We’re happy to help you find the right elements of coverage for your business’s array of services, changing requirements, and insurance concerns.


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