Coverage for trucking that's actuallyclearDOT-readyyoursfairclear
Owner-operators and fleets carry exposures, and filings, that a generic policy cannot handle. We place primary liability, cargo, and physical damage with carriers that write trucking.
What trucking operations carry.
The lines local and long-haul operations need, and the filings behind them.
| Coverage | What it covers | Good to know |
|---|---|---|
| Primary liability | Injury and damage to others in a crash | Tied to your DOT authority and filings |
| Physical damage | Damage to your own tractor and trailer | Agreed or stated value on the equipment |
| Motor truck cargo | The freight you are hauling | Limits and commodity terms matter |
| Non-trucking / bobtail | Use of the truck off dispatch | Fills the gap when not under load |
| Trailer interchange | Trailers in your care that you do not own | Common in interline operations |
| Workers' compensation | Injury to drivers who are employees | Occupational accident for contractors |
Coverage and filings hinge on your authority, radius, and commodity. We place it to your operation, not a template.
Running under your own authority? Send us your details and filings, we will handle it, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Trucking coverage, answered.
The questions owner-operators and fleets ask first.
Your authority, radius, and commodity drive both the liability requirement and the federal filings. We place coverage that matches your operation and handle the filings that go with it.
It covers the freight you are hauling, within the limits and commodity terms on the policy. Refrigerated, hazardous, or high-value loads carry different terms, which we read before binding.
It covers the truck when it is used off dispatch, not under a load, which a primary policy may exclude. For leased operators it is an important gap to close.
It depends on the operation, but most quotes move within a couple of business days once we have your authority and loss history. We reply to any question within 2 business hours.
Ready when you are