Specialized Coverage for Commercial Transportation
Comprehensive protection tailored for owner-operators and fleets in the U.S.
Auto Liability
Fundamental FMCSA Coverage
Protects your business against bodily injury and property damage caused to third parties in the event of a road accident. Complies with federal legal minimums to operate without penalties.
What does Auto Liability insurance through CoverOne cover?
- Property Damage: Coverage to repair or replace third-party vehicles, infrastructure, or property damaged in an accident.
- Bodily Injury: Coverage for medical expenses, hospitalization, and legal settlements for injuries caused to third parties.
- FMCSA Compliance: Policies structured from $750,000 to $1,000,000+ to ensure clean operating authority.
- Legal Defense: Support against lawsuits arising from covered claims under the commercial policy.
Keep your units operating with the backing the industry demands
Cargo Insurance
Protect Your Clients' Freight
Safeguard the goods and freight you transport against theft, damage, or accidental loss during transit. Essential for meeting the demands of the strictest brokers.
What does Cargo insurance through CoverOne cover?
- Theft and Hijacking: Protection against the loss of freight due to total or partial theft in transit.
- Collision or Rollover Damage: Coverage if freight is damaged due to a vehicle accident.
- Weather Risks and Fire: Protection against losses caused by fire or severe weather events.
- Broker Requirements: Policies tailored to standard limits ($100,000+) to access the best loads.
Secure your freight and build complete trust on every mile
Physical Damage
Protection for Your Work Equipment
Protects your investment in trucks (tractors) and trailers against collisions, rollovers, vandalism, or natural disasters, ensuring the repair or replacement of your units.
What does Physical Damage insurance through CoverOne cover?
- Collision: Repairs or compensates for damages to your truck or trailer following an accident or collision.
- Comprehensive: Protection against vehicle theft, fire, vandalism, or impact from falling objects.
- Trailer Coverage: Option to include trailer interchange or non-owned equipment under your custody.
- Stated Amount or Actual Cash Value: We adjust the policy to the true value of your assets to prevent financial losses.
Protect your fleet investment against any unforeseen event
General Liability
Off-Road Commercial Protection
Protects your trucking business against claims for bodily injury or property damage occurring at your facilities, warehouses, or third-party premises during loading and unloading operations.
What does General Liability insurance through CoverOne cover?
- Facility Incidents: Injuries to visitors, clients, or third parties inside your offices or truck yards.
- Loading and Unloading Operations: Accidental damages caused to client property outside the truck.
- Advertising and Personal Injury: Coverage against claims for unintentional commercial or reputational infractions.
- Complementary Policies: Essential for completing packages required by corporate contracts.
Total shielding for your company's infrastructure and reputation
Workers' Compensation
Protect the Health and Safety of Your Drivers
Provides medical and financial support to your drivers and employees in case of workplace injuries, accidents, or illnesses, strictly complying with state regulations.
What does Workers’ Comp insurance through CoverOne cover?
- Ongoing Medical Expenses: Payments for hospitalization, surgeries, medications, and rehabilitation therapy.
- Wage Replacement: Financial compensation for temporary or permanent disability resulting from a work accident.
- Disability or Death Benefits: Direct financial protection for the affected worker's family members.
- State Legal Compliance: Avoid severe fines by ensuring the required coverage in the states where you operate.
Take care of your team with the best medical and occupational coverage
Non-Trucking Liability / Bobtail
Personal Use and Off-Duty Coverage
Liability coverage for when the truck is driven without a trailer or off commercial duty (for example, driving the unit to the repair shop or for personal use).
What does Non-Trucking Liability insurance through CoverOne cover?
- Non-Commercial Use: Protection when the driver operates the truck for personal use and without generating income.
- Transit to Maintenance: Coverage during trips to repair shops, truck washes, or garages.
- Bobtail Transit: Specific protection for trips to or from a location without a loaded trailer attached.
- Ideal Complement: The perfect solution for owner-operators contracted under a motor carrier's authority.