Types of Trucks We Insure
Businesses using trucks for hauling any sort of shipment need commercial vehicle insurance to ensure their safety on the road. At NITIC, we understand your unique insurance needs and the risks related to your business. We offer blanket coverage for all types of trucks at your preferred price.
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Protect your assets with the finest coverage
We make sure that your assets are fully protected. At NITIC, we offer coverage for all types of commercial trucks, from tractor trailers and box trucks to hotshots and tow trucks. No matter what you drive or haul, we have the right insurance solution for your operation.
What types of trucks do we offer coverage for?
Tractor Trailers (Semi-Trucks)
Built for carrying heavy-duty construction machinery and commercial freight, a semi-tractor trailer has multiple axles. Whether you are a private carrier or an owner-operator, comprehensive coverage is essential.
Coverages Needed:
Mandatory by law. Covers bodily injury and property damage to third parties.
Covers losses after accident, fire, or theft to your own truck.
Protects you when driving the truck without a trailer (off-dispatch).
Protects your cargo if it is stolen or damaged in transit.
Box Trucks
Box trucks are mainly used for moving furniture, appliances, courier deliveries, and freight. Also known as straight trucks and cube trucks, they require specialized commercial insurance.
Coverages Needed:
Covers refrigeration failure and resulting cargo spoilage.
State-required liability protection for your box truck operation.
Covers medical expenses for injured drivers and passengers.
Covers collision, theft, and other damage to your box truck.
Protects the goods you are transporting in your box truck.
Hot Shots
A hotshot truck carries time-sensitive and smaller loads to nearby destinations. Hotshot trucks do not require a CDL but do need a motor carrier authority number. These lightweight, expedited carriers need targeted coverage.
Coverages Needed:
Covers collision, theft, and fire damage to your hotshot truck.
Covers the cost of repairs after an insured event.
Covers medical expenses after an accident.
Covers loss or damage to the loads you carry.
Covers legal defense costs in the event of a lawsuit.
Dump Trucks
Dump trucks transport voluminous materials like sand, dirt, demolition debris, gravel, and ores during mining or construction projects. These heavy-duty vehicles face unique risks on job sites and public roads.
Coverages Needed:
Protects against bodily injury and property damage to third parties.
Covers your dump truck for collision, theft, and fire.
Protects the bulk materials you haul.
Covers business risks beyond the vehicle operation itself.
Tow Trucks
Tow trucks specialize in removing abandoned, disabled, or illegally parked vehicles from the roadway. Also known as flatbeds and wreckers, tow truck operators need specialized coverage for the vehicles in their care.
Coverages Needed:
Covers driver and passenger medical expenses after an accident.
Covers vehicles being towed — damage during transport.
Covers your own tow truck for collision, fire, and theft.
Covers customer vehicles stored at your facility.
Frequently Asked Questions
What is commercial truck insurance?
Commercial truck insurance is a specialized type of insurance designed to protect businesses and owner-operators who use trucks for commercial purposes. It covers a wide range of risks unique to the trucking industry, including primary liability (required by law), physical damage to your truck, motor truck cargo coverage, and more.
What does commercial truck insurance cover?
Commercial truck insurance can cover primary liability (bodily injury and property damage to others), physical damage to your own truck (collision and comprehensive), motor truck cargo (the freight you haul), non-trucking liability (when you are off-dispatch), trailer interchange, garagekeepers liability, on-hook towing, general liability, and more.
Who needs commercial truck insurance?
Any business or individual that operates a truck commercially needs commercial truck insurance. This includes owner-operators, small fleet owners, trucking companies, tow truck operators, hotshot carriers, dump truck operators, and any other business that uses trucks to transport goods, equipment, or vehicles.
How much does commercial truck insurance cost?
The cost varies based on the type of truck, what you haul, your operating radius, your driving history, how long you have been in business, and the coverage types and limits you select. NITIC works with multiple carriers to find you competitive rates. Call (888) 237-7922 for a free quote.
Find the Right Coverage for Your Truck
Our licensed agents will match you with the right coverage at the best price. Fast quotes, same-day coverage available.