Trucking Insurance
We provide comprehensive trucking insurance solutions for businesses of every size, with access to a wide range of trusted carriers and markets nationwide. Whether you operate as an owner-operator, manage a non-fleet account, or run a large fleet, we have coverage options designed to fit your operation. Our team works closely with each client to build the right insurance program based on the size of the business, the type of cargo being hauled, and the risks involved in day-to-day operations.
Auto Liability
Core Protection
Auto Liability (AL) is the foundation of every trucking policy and is required by law. It covers bodily injury and property damage to others in the event of an accident. This coverage ensures your business stays compliant while protecting you from costly claims and legal exposure.
Motor Truck Cargo
Protecting What You Haul
MTC coverage protects the goods you’re transporting from loss, damage, or theft. Since your cargo is your responsibility, this coverage is critical to safeguarding your income and maintaining trust with your clients.
Physical Damage
Protecting Your Equipment
Physical Damage (APD) coverage includes both collision and comprehensive protection for your trucks. Whether it’s an accident, theft, vandalism, or natural disaster, this coverage helps repair or replace your equipment—keeping your business running without major financial setbacks.
Commercial & General Liability
Business Protection
CL & GL coverages protect your business beyond the road. From incidents at your place of business to third-party injuries or property damage, Commercial and General Liability provide essential protection against everyday risks that could impact your operations.
Non-Trucking Liability
Coverage Off the Job
Non-Trucking Liability (NTL) provides protection when your truck is used for non-business purposes. It fills important gaps when you’re not under dispatch, ensuring you’re still covered during personal use.
Trailer Interchange &
Non-Owned Trailer
Trailer Protection
These coverages protect trailers that you don’t own but are responsible for under a trailer interchange agreement or while in your care. This is essential for operations that frequently haul different trailers, helping avoid costly out-of-pocket damages.
Dedicated Policy Service & 24/7 Support
In trucking, fast and reliable service is just as important as the coverage itself and that’s where we stand out. We provide 24/7 direct access to Certificates of Insurance (COIs), so you’re never waiting when a load is on the line.
For brokers that require direct agency handling, requests can be sent to certificates@theperfectinsurance.com and are processed within minutes.
Our dedicated endorsement department ensures all policy changes are handled quickly and accurately through endorsements@theperfectinsurance.com, keeping your coverage up to date without delays.
During business hours, our team is immediately available to assist you, and after hours, we offer extended support to process urgent requests and escalate issues—connecting you with a live representative when it matters most.
With fast response times, specialized departments, and around-the-clock support, we make sure your business keeps moving without interruptions.
