Additional Coverage for Trucking Fleets
Auto liability, physical damage, cargo, and general liability are the foundation. But a complete insurance program covers more. Here's what else your fleet may need.
Beyond the Basics
Every fleet is different. These coverages fill the gaps based on how you operate, who you hire, and what risks you face.
Non-Trucking Liability
Also called bobtail insurance. Covers your truck when it's being used for personal purposes — not under dispatch. If your driver runs a personal errand and causes an accident, your auto liability policy won't respond. NTL fills that gap.
Workers' Compensation
Covers medical expenses and lost wages for employees injured on the job. Required by law in most states for companies with employees. Even if you use owner-operators, you may need occupational accident coverage as an alternative.
Trailer Interchange
Covers damage to trailers you don't own but are pulling under a trailer interchange agreement. If you swap trailers with other carriers or use broker-assigned trailers, this coverage protects you from paying for damage to someone else's equipment.
Umbrella / Excess Liability
Extends your liability limits above your primary auto liability and general liability policies. When a major accident exhausts your $1M auto liability limit, the umbrella kicks in. Many shippers require $5M+ total limits, which means you need an umbrella.
Mechanical Breakdown Insurance
Covers repair costs when your truck breaks down from mechanical failure — engine, transmission, electrical, HVAC. Not covered by physical damage insurance. Think of it as a comprehensive warranty that travels with the truck.
Occupational Accident
An alternative to workers' comp for owner-operators and independent contractors. Covers medical expenses, disability, and death benefits for non-employees who drive for you. Required by many carriers and often required by your motor carrier agreement.
Hired & Non-Owned Auto
Covers liability when your employees drive vehicles your company doesn't own — rental trucks, personal vehicles used for business errands, or temporary equipment. A gap most carriers don't think about until a claim happens.
Environmental / Pollution Liability
Covers cleanup costs and third-party damages if your truck spills fuel, chemicals, or hazardous materials. Standard auto liability policies often exclude pollution events. Essential for hazmat haulers, but relevant for any fleet carrying diesel.
Building Your Coverage Program
Not every fleet needs every coverage. Here's how to think about it.
Start with what's required.
Auto liability is mandatory. Workers' comp is required in most states if you have employees. Everything else depends on your operation, your contracts, and your risk tolerance.
Read your contracts.
Shippers, brokers, and landlords specify exactly what coverage and limits they require. Your insurance program should be built to satisfy every contract you sign — not just the FMCSA minimums.
Think about your worst day.
What's the most expensive thing that could go wrong? A totaled truck? An injured employee? A $3M lawsuit? A fuel spill? Build your program to survive that day.
Let us audit your gaps.
We review your entire operation — equipment, contracts, drivers, routes, cargo — and identify exactly where you're exposed. No guessing, no generic packages. A program built for how you actually run.
Common Questions About Additional Coverage
Build Your Complete Coverage Program
Tell us about your operation. We'll make sure nothing falls through the gaps.