Business Insurance
Protect your company
Protect your trucks, drivers, and cargo with tailored insurance solutions designed for owner-operators and fleets.
Trucking insurance is a specialized form of commercial auto insurance designed specifically for trucks, truck drivers, and trucking businesses. If you’re hauling freight, whether as an owner-operator or running a fleet, you’re legally required to carry it. It protects you from the financial fallout of accidents, injuries, and cargo losses while keeping your business compliant with state and federal (DOT/FMCSA) regulations
Protects against claims of bodily injury, property damage, or advertising injury. Required by landlords, clients, or licensing boards.
Covers buildings, inventory, furniture, and business equipment.
Available as part of a Business Owners Policy (BOP).
Combines general liability + property + loss of income.
Ideal for small to midsize businesses.
Covers mistakes, errors, or omissions in your work.
Essential for consultants, real estate pros, and service-based businesses.
Covers company-owned vehicles or employees using cars for work. Includes liability, physical damage, and hired/non-owned auto.
Mandatory in most states once you hire employees.
Covers work injuries, medical costs, and lost wages.
Protects against hacking, data breaches, and digital theft.
Highly recommended for businesses with customer data or e-commerce.
Adds extra liability coverage above all other policies.
Protects your assets from major lawsuits or claims.
Protect your rig, your cargo, and your authority—from dock to doorstep, coast to coast.
FMCSA-required liability for for-hire carriers.
Collision & comprehensive on tractor/trailer.
Protection for freight you haul.
Damage to non-owned trailers under interchange agreement.
Off-dispatch liability for leased owner-operators.
Spoilage from refrigeration failure.
State & federal filings handled for you.
Medical costs for driver & passengers.
Protects you from drivers with little or no insurance.
Injury protection for drivers & crews.
Interstate freight runs for carriers and fleets operating nationwide.
Short-haul and last-mile routes with daily or same-day returns.
Independent drivers, with or without their own authority.
Consumer goods, packaged materials, and palletized loads.
Lumber, steel, machinery, and oversize/overweight equipment.
Perishables like food, floral, and temperature-sensitive pharma.
Fuel, chemicals, bulk liquids, or other hazardous materials.
New/used vehicles, salvage, and specialized car carriers.
Dump, cement mixers, roll-offs, and job-site support hauling.
Farm commodities, fertilizer, feed, and live-animal transport.
Solutions for online and physical stores to boost sales and streamline operations.
Read More →Tools to attract diners, manage bookings, and grow your food business.
Read More →Support for agents, brokers, and managers to close deals faster.
Read More →Build stronger client relationships and manage projects efficiently.
Read More →Engage communities, manage donations, and grow your mission.
Read More →Solutions for salons, spas, and barbershops to attract and retain clients.
Read More →For legal, finance, and consulting firms to manage clients effectively.
Read More →Industry solutions to scale operations and serve clients better.
Read More →Competitive rates for all trucking businesses
Flexible policies that grow with your fleet
Fast COI (Certificate of Insurance) turnaround
Expert support for DOT and state compliance
OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
ABOUT OUR INSURANCE
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Trucking insurance is a specialized type of commercial auto coverage designed for semi-trucks, fleets, and owner-operators. It protects against accidents, cargo loss, property damage, and liability claims while keeping your business DOT-compliant.
Costs vary depending on factors like:
Type of truck (tractor-trailer, box truck, etc.)
Driving history and experience
Routes (local vs. long-haul, state vs. interstate)
Cargo type (hazardous materials vs. general freight)
Size of fleet or if you’re an independent owner-operator
Yes. The FMCSA (Federal Motor Carrier Safety Administration) requires all motor carriers and owner-operators to carry minimum liability coverage (usually $750,000 – $1 million) before they can operate legally. Additional coverages like cargo or bobtail may also be required depending on contracts and state laws.
It depends on your policy, but typical coverages include:
Liability insurance for accidents you cause
Physical damage to your truck
Cargo protection for goods you haul
Bobtail/non-trucking liability
Workers’ compensation for drivers
Yes — if you’re hauling freight, most shippers and brokers require proof of motor truck cargo insurance. It protects against theft, damage, or loss of goods while in transit.
Bobtail Insurance covers your truck when it’s driven without a trailer, regardless of dispatch status.
Non-Trucking Liability Insurance covers when the truck is being used for personal reasons not under dispatch.
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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