Commercial Auto & Trucking Insurance

Comprehensive fleet coverage for your trucking operation

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Protect Your Fleet and Drivers

Your trucks are the backbone of your business. At United Insurance Group, we specialize in commercial auto and trucking insurance designed specifically for the transportation industry. Keep your fleet protected and your business moving forward.

From owner-operators to large fleets, we provide comprehensive coverage including liability, physical damage, and specialized trucking coverages. Our experienced team understands DOT regulations, FMCSA compliance, and the unique risks of the trucking industry.

Primary liability coverage
Physical damage protection
Non-trucking liability
Trailer interchange coverage
Commercial Semi Truck

Commercial Auto Coverage Options

Complete protection for every type of trucking operation

Primary Liability

State and federally mandated coverage for bodily injury and property damage.

  • $750K minimum for general freight
  • $1M for hazmat operations
  • Covers bodily injury
  • Property damage protection
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Physical Damage

Coverage for damage to your trucks and equipment.

  • Collision coverage
  • Comprehensive protection
  • Fire and theft
  • Vandalism coverage
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Non-Trucking Liability

Coverage when operating under your own authority.

  • Bobtail operations
  • Personal use coverage
  • Gaps in motor carrier policy
  • Owner-operator protection
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Trailer Interchange

Protection for trailers in your possession.

  • Physical damage to trailers
  • Interchange agreements
  • Leased equipment
  • Borrowed trailers
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Frequently Asked Questions

What are the minimum insurance requirements for commercial trucks?

Federal requirements vary by cargo type: $750K for general freight, $1M for refrigerated goods, $5M for hazardous materials. State requirements may differ.

Do I need non-trucking liability as an owner-operator?

Yes, if you're leased to a motor carrier. Non-trucking liability covers you when not under dispatch, including bobtail operations and personal use.

What's the difference between collision and comprehensive?

Collision covers accidents with other vehicles or objects. Comprehensive covers theft, fire, vandalism, weather damage, and other non-collision incidents.

How do I get a Certificate of Insurance (COI)?

We can issue COIs instantly through our online portal. Most brokers and shippers require proof of insurance before you can haul loads.

Get Your Fleet Covered Today

Competitive rates for owner-operators and fleets of all sizes.

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