Commercial trucking coverages

Know what each part of your trucking policy does.

Liability, cargo and physical damage solve different problems. We help you see how they fit together before you request a quote.

Commercial auto

Primary liability for commercial trucks

Commercial auto liability is the foundation of a trucking insurance program. It is designed to respond to covered bodily injury and property damage claims arising from the operation of your truck. For-hire interstate carriers may have federal financial responsibility and DOT filing requirements, while brokers and shippers can require limits above the federal minimum. Your required limit depends on the type of carrier, cargo, authority and operation. We review those details with the carrier and help document the coverage with certificates and filings when available.

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Cargo

Motor truck cargo for freight in your care

Motor truck cargo insurance is designed to protect freight you are responsible for while it is in transit. Coverage can address covered loss from an accident, theft, fire or certain weather events, subject to the limit, deductible and exclusions. Cargo type matters: refrigerated, high-value, household and specialized freight can need different underwriting. Ask about improper loading, poor packaging, mechanical breakdown and inherent vice exclusions before you accept a load.

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Physical damage

Protect the truck and trailer you own

Physical damage coverage is designed for the equipment itself. Collision and comprehensive coverage may respond to covered damage from an accident, theft, fire, vandalism or weather, subject to your deductible and policy terms. The truck’s value, financing or lease agreement, trailer, equipment and garaging location all affect the quote. Physical damage does not replace liability or cargo coverage; it protects a different part of the business.

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Coverage depends on the operation

A quote should account for your vehicles, drivers, cargo, authority, operating radius, states traveled, contracts and claims history. Kaufman Insurance Group is based in Twinsburg, Ohio and shops multiple carriers for commercial risks. Call 330-486-8404 or send your details online.

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