What Is Commercial Trucking Insurance?

commercial trucking insurance can protect you if you're involved in a wreck

If you use your truck for both personal and professional use, commercial trucking insurance may be right for you. This is coverage that can protect you if you become involved in an accident. Read on to learn more about whether commercial trucking insurance is right for you. 

Overview of Commercial Trucking Insurance

Commercial trucking insurance is for people who either use their truck for business only or both business and personal use. If you use it for personal use, this insurance will act as a gap filler and cover what your personal auto insurance does not. If you use commercial trucking insurance for business purposes only, it will cover more. 

Types of Commercial Trucking Insurance

There are multiple types of commercial trucking insurance. Each type offers different coverage. The different types and their coverage options are:

Primary auto liability

Federal regulations require liability insurance. Liability insurance protects you if a third party is injured in an accident you are involved in. This is one of the most basic parts of most commercial trucking insurance policies.

General Liability

All states require general liability coverage. General liability coverage protects you if you cause property or bodily damage in a crash. It also covers operating on another person’s property, like a truck stop loading delivery mistakes. 

Physical Damage

This type of insurance pays for physical damage to the truck. Physical damage could be caused by a crash, vandalism, theft, or unforeseen circumstances like a natural disaster. 


Bobtail insurance is like gap insurance. In any circumstance where a trucker is using the truck for personal or non-business use and is therefore not covered by the commercial insurance, bobtail insurance will kick in. 

Motor Truck Cargo

This type of insurance specifically covers lost or damaged cargo.

Rental Reimbursement

Rental reimbursement insurance covers you when you need to use a rental car if your truck is being repaired.

Trailer Interchange

This type of insurance covers you if you are pulling a trailer you do not own under a trailer interchange agreement. It covers different forms of damage, like natural disasters, collision theft, or vandalism.

Medical Payment

Medical payment insurance covers medical bills that you or your passengers incur if involved in an accident in the truck.

Uninsured/underinsured motorists

If another person hits you and does not have liability insurance, this type of insurance protects you.

Reefer Breakdown Coverage

This type of insurance is specific to refrigerated trucks. If the refrigerator breaks down, cargo is damaged, or the products are damaged due to a collision, this insurance will protect you.


Commercial trucking insurance can be difficult to navigate at first. Call a Redwood Agent to get started today!