Spot for Trucking Insurance

Get quotes from trucking insurance providers with Spot

From a new authority to a growing fleet, we prepare your trucking application, compare quotes with you and send proof to shippers who ask.

  • Liability, truck damage and cargo compared side by side
  • Shipper and freight broker certificate requests handled
  • Keep your broker or switch, with no commissions on premiums
A truck driver checks a front tire on his tractor during a pre-trip walk-around.

How Spot helps you buy Trucking Insurance

Tell us about your trucks and drivers

Your Spot team gathers your units, drivers, authority, radius, commodities, cargo values and current insurance into one submission, with owned, leased and owner-operator vehicles listed separately.

Cedar FreightOrganized by Spot
AIG
Coverdash
Heffernan Insurance Brokers

See what each quote actually includes

We work with brokers to take your submission to market, then show liability, truck physical damage and cargo side by side, so a cheaper quote that leaves out cargo doesn’t pass for a better deal.

Heffernan Insurance Brokers
Coverdash
AIGQuote request

Trucking insurance

Vehicles · Drivers · Liability limits

Cedar Freight

Get the filings your authority needs

Spot checks which proof of financial responsibility your operation needs, including any federal filing and the MCS-90 endorsement, and follows up with your broker until it’s in place.

Trucking insurance

Cedar Freight · Policy review

Policy wording
Coverage limits
Compare with
Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Get certificates for shippers and brokers

When a shipper or freight broker asks for a certificate with set liability and cargo limits, ask in Slack. Your Spot team checks their requirements against your policy and gets the certificate ready.

JordanCedar Freight

Can you help prepare proof of our trucking insurance?

Certificate of insurance

Cedar Freight

Ready for your review

How buying Trucking Insurance works with Spot

  1. 01

    Tell us about your business

    Share what you do, where you work, the policies you have and any contracts that ask for insurance.

  2. 02

    We write up your application

    Spot turns it into an application that describes your business the way insurers need to see it.

  3. 03

    We get quotes from insurers

    Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.

  4. 04

    Compare your quotes

    We put the quotes side by side on limits, exclusions and terms as well as price.

  5. 05

    Buy your policy and get certificates

    You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.

Is Trucking Insurance right for you?

  • New authorities

    You need public-liability coverage and the right proof of financial responsibility in place before you can haul under your own authority.

  • Growing fleets

    Each renewal brings more units, drivers and lanes to describe, and every market prices them differently.

  • Owner-operators

    Leased onto a carrier or running your own authority, you need to know whose policy responds and what you have to buy yourself.

  • Private carriers

    You haul your own goods, so the right quote may be business auto rather than a motor-carrier program.

How Spot helps different industries with Trucking Insurance

What each industry usually faces, and where Spot fits in.

  • Supply Chain and Logistics

    Insurance help for logistics companies, freight forwarders and warehouses: property, inland marine, cargo, equipment breakdown, auto and workers’ comp.

Insurers we get Trucking Insurance quotes from

Get quotes from trucking insurance providers with Spot.

  • AIG
  • Coverdash
  • Heffernan Insurance Brokers
  • HUB International
  • Kinro
  • And many more

When to get Trucking Insurance

  • 01

    You’re applying for your own authority

    Buying a policy doesn’t complete a required filing by itself. Spot checks what your authority needs so you aren’t parked waiting on paperwork.

  • 02

    Your fleet renewal is coming up

    Start with an updated unit and driver list, loss history and lanes, early enough to take the program to market instead of accepting the renewal as offered.

  • 03

    You’re an owner-operator leasing onto a carrier

    Read the lease to see whose policy is meant to respond while you’re under dispatch, and what you’re expected to carry on your own truck.

  • 04

    You’re hauling new freight or running longer routes

    New commodities, a wider radius or a change in authority can change your required limits and filings. Update the program before the first load.

  • 05

    A shipper wants higher limits

    Check their requirement against your liability and cargo limits, and get the cost of closing the gap before you agree to the lane.

Trucking Insurance questions

Also known as commercial truck insurance, truck insurance, semi truck insurance, owner-operator insurance, motor carrier insurance and tractor-trailer insurance.

Does my truck liability cover the load?

No. Cargo protection is separate from liability for injury or damage your truck causes. Spot checks whether each proposal includes cargo or quotes it separately.

Does every carrier need the same federal limit?

No. For specified motor carriers, the required amount depends on the type of carriage, the cargo and vehicle weight. Your Spot team matches the limit to the operation you actually run.

I’m an owner-operator. Do I need my own policy?

It depends on your lease and whether you haul under a carrier’s authority or your own. We go through the lease with you, show what the carrier’s policy addresses, and quote what’s left for you to buy.

Will Spot make my federal filing?

Filings go through your insurer and broker. Spot checks which proof your authority requires and follows up until the filing is made, so you know when you can start hauling.

Can I keep my trucking broker?

Yes. Spot works with your broker and takes no commissions on premiums. If your broker can’t place your fleet well at renewal, you can switch.

Get insurance off your to-do list.

Get quotes from trucking insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.

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