Here’s what we do for your Big Rig Trucks:

Same Day Certificates

We get your insurance certificate as soon as possible so you can right to your job.

Low Rates & Premiums

We work out your exact needs , so you can be sure you’re getting the best value.

24/7 Access To Your Agent

We give you our cell number so you can get in touch with us right away, anytime.


“Dave walked me through the coverages I would need. He was very helpful and straightforward about the prices. My ADVICE is to go with the companies specialized in big rig insurance since they know the motor carrier filing requirements of the different state regulatory agencies.”

Get a Better Insurance Rate in Just 3 Steps

1. You Get in Touch

We’re standing by and ready to help, just give us a call, fill out our quick quote form Everything goes directly to us.

2. We Listen

Insurance is all about making sure everything is covered properly. We listen So you can get the best coverage possible.

3. We Take Care of the Rest

After we talk we take care of everything for you right away, then we get your policies ready to go in record time.


Today, the use of big rigs has changed the way the transportation industry works. These big trucks allow businesses to transport goods quickly, easily and cheaply. However, driving these big rigs are not without risks. They can be quite risky for the owners, as well as drivers, and other motorists too.

In the United States alone, there are close to 2 million big rigs.
Big trucks cause as many as 500,000 accidents per year, 5,000 of these accidents resulting in deaths.
Over 130,000 injuries per year are caused by large trucks.
According to the FMCSA report (2015)

Number of Large Truck Crashes: 415,000
Number of Fatal Crashes: 3589
Number of Injuries: 83,000
Fatal Crashes of Large Trucks on Rural Roads: 60%
Fatal Crashes of Large Trucks on Rural or Urban Interstate Highways: 25%
83% of fatal crashes and 89% of non-fatal crashes occurred during weekdays (Monday to Friday).

What Big Rig Insurance Do You Need?

Accidents involving big rigs can be quite an expensive liability for the owners of these vehicles due to the size of these vehicles. Big rig accidents can be quite destructive and also result in expensive property damage and lawsuits due to personal injury. In such cases, having a rig insurance can act as a safety net in case you are involved in any accident.

rig insurance

As a business owner of big rigs, you require many coverages and also a specialized big rig insurance. While some insurance policies are required by law, others are optional coverages that you can add on so that you are able to cover all your risks and liabilities fully.

Liability Insurance – Your big rig is a commercial truck and by law requires liability insurance coverage. This insurance covers any property damage or injuries caused to others in case of an accident caused by your big rig driver or you.
Physical Damage Insurance – This is needed when you take a loan to buy your big rig and lasts for the entire time period of the loan. The insurance provides coverage if the rig is damaged in an accident. A comprehensive insurance also provides coverage for loss and damage due to fire, vandalism, theft and natural disasters.
Equipment Insurance – This can be purchased in addition to the physical damage coverage and insures against damage or loss to any property of the driver kept in the rig and also equipment such as electronic and GPS devices, chains, tarps, etc. Some insurance policies also cover losses due to fuel spills.
Medical Payments Insurance – This provides insurance for any medical costs that the other driver, passengers or you may incur due to an accident caused by your big rig.
Cargo Insurance – This essentially covers if the cargo that you are carrying is damaged or lost. As per federal government requirement, you require a minimum of $5,000 coverage for the cargo you are hauling.
Bobtail Insurance
This covers the commercial rig tractor when there is no trailer and the policy is effective whether the rig is being driven for personal or commercial purposes.
Non-Trucking Liability Insurance – This is specifically meant for independent owner-operators if you are leasing out the services of your rig to another company. The insurance covers you even when you are not working on the job. For instance, when you are using the rig for personal purposes or you’re driving to and from the worksite.
Occupational Accident Insurance – This insurance basically acts as a complement to a worker’s compensation. It covers your rig drivers and their family in the case that your driver is hurt when on the job. It provides benefits in the case of dismemberment, medical expenses in case of an accident. Short-term and long-term coverage for disability and death. You can also buy added coverage that includes compensation for accidents that are non-work related.
Non-Owned Trailer Coverage – This provides coverage for any damage to a 3rd party owned trailer which is attached to your rig. The coverage only includes the trailer structure and not the contents. Also, the coverage is only valid for damages that occur when the trailer is attached to the rig.

How Much Does Insurance Cost for Big Rigs?
The big rig insurance cost differs on factors such as the driving experience and location of the trucker. In order to calculate the insurance cost of your big rig, you can choose the coverages required by you and you can then add the average rates to arrive at the total cost.

  • Primary Liability: $4000-$5000
  • General Liability: $200-$600
  • Physical Damage: $2000-$3000
  • Umbrella Policy: $200-$500
  • Bobtail Insurance: $350-$400
  • Uninsured or Underinsured Motorist: $50-$100
  • Cargo Insurance: Variable
  • Other Coverages: Variable