Truck Insurance Coverages

With over 30+ years of experience in providing customized commercial truck insurance coverages at affordable rates, NITIC is counted among the most trusted insurance providers in America who offer unfailing customer support, the fastest claiming service, and flexible payment options to their clients.

Business & Commercial Truck Insurance Coverages We Offer

Comprehensive coverage at your affordability

We offer a wide range of business and commercial truck insurance coverages under one roof. You can get the type of coverage you are looking for and get it customized according to your needs. You can easily pick the sort of coverage you want from the below options:

General Liability

This coverage protects you against the cost of hefty medical bills and property damages done to the third party after an accident.

Liability Protection

If your trucker gets held legally responsible for a third party property damage and physical injury then this coverage helps you cover all the costs including the lawsuit expenses.

Physical Damage

This policy gets you covered for the cost of repairing or replacing your truck after an accident. To get blanket coverage you can opt for CAC (combined additional coverage) for full protection.


This protects you against the cost incurred for the damage or replacement of your truck when it gets destroyed or impaired after colliding with another vehicle.


This coverage fully protects you from the loss or damage of your truck resulting from fire, theft, vandalism, natural disasters, falling objects, etc.

Fire and Theft

When your truck gets badly damaged or you lose it after the event of fire, explosion, or theft then this coverage compensates for the loss.

Motor Truck Cargo Insurance

This policy offers coverage for the cargo you haul. It offers liability coverage when the shipment gets destroyed or damaged after a collision, theft, or fire.

General Freight

This policy protects you from the potential risks of losing or damaging the freight while it’s on the move.

Household Goods Movers Insurance

When you transit household goods, risks like misplacement, theft, and destruction can occur anytime. Household goods movers insurance covers you from all these possibilities.

Auto Haulers

This covers you from all the possible risks while hauling, on-loading, and off-loading vehicles in your truck.

Refrigeration Breakdown Coverage

Also known as reefer breakdown covers you against spoilage of goods due to refrigeration malfunction.

Bobtail Insurance

It is a kind of liability protection when you drive the truck without a shipment. For example, the idle time between dropping off and picking up the next load.

Trailer Interchange

This policy protects you against physical damages to the trailer resulting from fire, theft, vandalism, or explosion.

Non-owner Trailer Coverage

This coverage fully protects the non-owned trailers from physical damages arising out of the fire, vandalism, etc.

Garage Keepers Legal Liability Insurance

This policy covers the damages resulting from fire, theft, or vandalism of vehicles that you have kept under your custody and care after providing the towing service.

On Hook Towing Insurance

This covers the cost of repairing or replacing a vehicle after the event of fire, loss, or explosion while you are towing it.

Hired and Non-Owners Coverage for UIIA packages

Whether you are hired or non-owners in the trucking business, you can get UIIA (Uniform Intermodal Interchange & Facilities Access Agreement) certificate to ensure productivity and efficiency in the shipping process. (You must meet the UIIA requirements to obtain a UIIA certificate).

Occupational Accident Insurance

This insurance includes the cost of medical, death, and disability of the truckers after serious injuries arising out of accidents and collisions while they are driving your trucks.

Why choose NITIC for trucking coverages?

Our foundation is built on reliability and exceptional service. We have a team of certified, highly experienced, and dedicated professionals who believe in making each one of our customers happy and satisfied. At NITIC, you get the type of coverage you want that falls within your budget. If you want to customize your needs, we are more than happy to do that for you!

If you pick us for your insurance needs, you get:

Ready to get blanket coverage at your affordability? Let us find you the best truck coverage that fits your requirements. Start with a quote.


Sheri is the best customer service rep around. Very pleasant and very informative.




Commercial truck insurance covers the insured party against accidents involving their own vehicle. This policy compensates you for property damages, physical injury, and legal expenses if you get sued by a third party after an accident. You get protection from vandalism, theft, and fire. It is up to you whether you choose comprehensive coverage or minimum requirement.
Every state has its unique insurance requirements for the minimum coverage. This coverage includes protection against property damage, bodily injury, and uninsured motorist. Also, the extent of policy coverage depends on the type of requirement you have or the trucking business needs. Whenever you take truck insurance keep all your requirements in check to get the most out of your policy when you need it.
If you cancel your truck insurance early then you will have to pay more for covering the possible risks down the road. Canceling a policy will expose your trucking business to many risks where you will have to pay for the damages from your own pockets.
Like any insurance product, truck insurance cost is also influenced by a number of factors and these are:
  • State and federal requirements.
  • The type of truck you own.
  • Your operating radius.
  • Truckers’ past driving records.
  • The number of traffic violations and accidents.
  • The kind of cargo you haul.
  • The level of coverage you choose (minimum or comprehensive).