How to get big rig insurance for your truck business

If you have semi-trucks, you’re aware of the many risks you face out there on the road. Highways can be a bit of an adventure, especially when you’re driving an 18-wheeler that’s loaded up with cargo – and isn’t the most maneuverable vehicle. No matter how safe a driver you are and no matter how careful you are, accidents happen (as do other Murphy’s Law-type incidents.) Which is exactly why semi-truck insurance exists – to protect your business when things go wrong. But how do you get big rig insurance? We’ll explain.

1. Consider what coverages you need.

The first thing to do is familiarize yourself with the various big rig insurances to consider for your business. Here are some of the common ones you should think about.

  • Auto liability
  • Physical damage insurance
  • Cargo insurance
  • General liability
  • Pollution/Haz-mat

Auto liability:

This is the coverage that helps cover your legal obligation to the other driver if you’re at-fault in an accident. It can also help cover your legal expenses if they sue.

  • Bodily injury liability: This will help cover the other driver’s medical bills and lost wages – and pain and suffering.
  • Property damage liability: This helps cover the repairs and replacement of the other driver’s car – or other property you might damage with your truck.

Physical damage:

This coverage can help you get your truck back on the road ASAP if it’s damaged. Remember, auto liability insurance won’t cover damage to your vehicle, which is why physical damage insurance is so important.

  • Collision coverage: Collision insurance can help repair or replace your truck if it’s damaged in an accident or another collision.
  • Comprehensive coverage: Comprehensive coverage can help cover losses/damage to your truck that wasn’t caused by an accident or collision. It covers losses like theft, fire, vandalism, animal strike, and falling objects (i.e. trees.)

Cargo insurance:

Cargo insurance can help protect the load you’re hauling from losses like fire, theft, and collision.

Trucker’s General Liability:

General liability insurance can protect you against claims of bodily injury or property damage that result from the services your business provides that aren’t related to driving. For example, it can help you if someone trips and falls on your property and sues.


You also may want to consider pollution or haz-mat insurance to help you cover your liability for clearing up the environment following an accident. These expenses can add up quickly, which is why pollution insurance is so important.

Here's how to get big rig insurance.

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2. Get quotes for big rig insurance.

Once you’re familiar with some of the coverages you can get for your 18-wheeler, the next thing to do is go on a quest for semi-truck insurance quotes. Before you groan and start dreading the quoting process, allow us to put your mind at ease – our truck insurance professionals are pros at making insurance easy.

Here’s how the quoting process works:

You reach out to us and let us know you need some big rig insurance quotes.

There are multiple ways that you can get semi-truck insurance quotes. To get in touch with our team, message us on LiveChat, fill out our online quote form, or give us a call. We’ll talk to you through whatever channel is most convenient for you. Our thing is all about making insurance easy, and that means we’ll make communication as easy as possible for you.

We’ll ask you a few quick questions.

We’ll have to gather some information from you so that we can get you those quotes, so one of our agents will reach out to you to ask some questions. We understand that you’re busy and that you have a lot on your plate, so we won’t take too much of your time. We just need to go over the details of your business, the coverages you need, and so on.

We go shopping.

From there, we’ll go on the hunt for big rig insurance quotes. We work with lots of different carriers that write transportation insurance, so we can help you get multiple quotes for 18-wheeler insurance. It’s our version of going on a shopping spree – just consider us as your personal shoppers.

We go over your insurance options with you.

Once we’ve gathered your quotes, we’ll explain the different options you have for your insurance. We’ll keep you updated throughout the process, but we’ll lay out all of the choices you have an help you figure out what insurance plan is right for your business.

We’re here to help.

We don’t just finalize your insurance. We’ll stick around afterward to help address your insurance quotes and needs. You won’t have to handle your insurance on your own – we’re here for you.

Why it’s important to get semi-truck insurance quotes.

It’s important to get big rig insurance quotes because there are a lot of different factors that affect truck insurance quotes. To get the most accurate idea of how much big rig insurance costs, you would have to go through the quoting process. Every business is unique, so each business needs a tailored truck insurance plan with the specific coverages they need. And each business will end up with a different insurance premium depending on the risks they present.

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Get quotes by filling out our online quote form, calling us, or messaging us on LiveChat.