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Advanced Intelligence Insurance Services

Commercial Trucking Coverage

Commercial Truck Insurance Coverages

Advanced Intelligence Insurance Services covers the full stack for owner-operators and fleets — primary auto liability, physical damage, motor truck cargo, and non-trucking liability (bobtail). Our AI-assisted intake speeds up quoting so you can compare options and bind the protection your operation needs.

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Core coverage

The four lines every motor carrier builds on

Primary commercial trucking coverage, in plain language. Start with the four core policies below, then layer on the specialty lines your operation needs.

  • Primary Auto Liability

    The mandatory federal coverage. It pays for bodily injury and property damage you cause to others in an at-fault accident — the legal foundation of operating authority.

    What it covers & who needs it — Primary Auto Liability

    What it covers: Third-party bodily injury and property damage arising from your covered vehicle. It does not repair your own truck or the freight you haul — those are separate lines below.

    Filing context: For-hire interstate carriers must meet FMCSA financial-responsibility minimums, evidenced by a Form BMC-91/91X filing on record; policies also carry the MCS-90 endorsement, a federal safety-net that guarantees the public is paid up to the required minimums. Required limits vary by commodity and weight (e.g. higher minimums for hazardous materials). [CLIENT TO SUPPLY: advised limits]

    Who needs it: Every for-hire motor carrier operating under its own authority.

    Get a quote for Primary Auto Liability

  • Physical damage

    Comprehensive & collision for the equipment you own. It protects your tractor and trailer against collision, theft, fire, vandalism, and severe weather.

    What it covers & who needs it — Physical damage

    Collision: Damage to your truck or trailer from an accident, regardless of fault.

    Comprehensive: Non-collision losses — theft, fire, vandalism, falling objects, hail, flood, and other covered perils.

    Who needs it: Any owner of financed or leased equipment — lienholders and lessors almost always require it — and any operator who can’t absorb the cost of replacing a damaged rig. Coverage is typically written to the vehicle’s stated or actual cash value. [CLIENT TO SUPPLY: deductible options]

    Get a quote for physical damage

  • Motor truck cargo

    Coverage for the freight on your trailer. It protects the commodities you haul against covered loss or damage while they’re in your care, custody, and control in transit.

    What it covers & who needs it — Motor truck cargo

    What it covers: Direct physical loss or damage to the cargo you’re hauling from covered causes such as collision, fire, theft, and load shift, subject to the policy’s terms and exclusions.

    Commodity & limits: Your limit should reflect the value of a full load, and the policy must match the commodities you actually carry — certain goods (hazmat, autos, livestock, high-value targets) need specific scheduling or are excluded. Refrigerated loads should confirm whether reefer breakdown is included or excluded. [CLIENT TO SUPPLY: per-load limit & hauled commodities]

    Who needs it: Any carrier hauling freight that shippers and brokers expect to be insured — most contracts require proof of cargo coverage.

    Get a quote for motor truck cargo

  • Non-trucking liability & bobtail

    Coverage for the gap when you’re off dispatch. It responds when the truck is driven for personal use or while bobtailing — not under a load or motor-carrier dispatch.

    What it covers & who needs it — Non-trucking liability & bobtail

    Non-trucking liability: Liability while the truck is used off dispatch — personal errands and other non-business use not covered by the carrier’s primary policy.

    Bobtail: Liability while driving without a trailer (bobtail) or with an empty trailer (deadhead) when not under dispatch — for example, the trip home after dropping a load.

    Who needs it: Leased owner-operators whose primary liability only applies while dispatched under the motor carrier’s authority. It fills the off-dispatch gap that primary policy leaves open — it is not a substitute for primary liability.

    Get a quote for non-trucking liability and bobtail

Build out your program

Additional specialty coverages

Bundle these common trucking lines alongside your core auto liability and physical damage to close the gaps unique to how your operation runs.

  • General Liability

    Covers third-party bodily injury and property damage from your business operations away from the truck itself, such as at a dock, terminal, or customer site.

  • Trailer Interchange

    Pays for physical damage to a non-owned trailer you pull under a written interchange agreement, while it is in your care, custody, and control.

  • Reefer Breakdown

    Extends cargo coverage to spoiled refrigerated loads caused by a mechanical failure of the reefer unit, an exclusion on most standard cargo policies.

  • Hired & Non-Owned Auto

    Adds liability protection when you or a driver use a rented, borrowed, or personally owned vehicle for the business.

  • Occupational Accident

    Voluntary medical, disability, and accidental death benefits often elected by owner-operators and 1099 contract drivers who are not covered by a workers' compensation policy. It is a benefits product, not a legal substitute for state-required workers' comp.

  • Workers' Compensation

    Covers medical costs and lost wages for employee drivers injured on the job, as required in most states for businesses with W-2 staff.

  • Equipment Floater

    Inland marine coverage for owned trailers, containers, and movable equipment against damage or theft, on the road or while parked off-site.

  • Rental Reimbursement

    Helps pay for a replacement truck and offsets downtime expenses while a covered vehicle is being repaired after a loss, keeping freight moving.