Whether you’re an owner-operator running regional lanes or a fleet with mixed units, the right truck insurance keeps you on the road and in compliance. Our independent team builds packages around your operation—primary auto liability, physical damage, motor truck cargo, trailer interchange, bobtail/NTL, and truckers GL—plus filings. We’ll tune limits, deductibles, and commodities to match shipper and broker contracts, then deliver certificates fast so you don’t miss loads.
| Item | Typical Range | Why it matters |
|---|---|---|
| Primary Auto Liability | $750k–$1M+ CSL | Meets federal/state/contract requirements for public liability |
| Motor Truck Cargo | $100k common (varies by commodity) | Protects freight; shippers often set minimums |
| Physical Damage | ACV or Stated; $1k–$5k deductibles | Covers tractor/trailer comp & collision |
| Bobtail/NTL | $250k–$1M limits | Liability while not under dispatch or for non-business use |
| Filings | MCS-90, BMC-91X, Form E/H (as applicable) | Proof of financial responsibility for federal/state compliance |
We align certificates and endorsements to broker/carrier agreements and get filings submitted promptly so your authority activates without delays.
Protects against third-party bodily injury and property damage arising from covered auto operations. Limits often start at $1M per occurrence to satisfy most contracts; higher limits may be required for specific commodities or contracts.
Insures your tractor and trailers for theft, fire, vandalism, and collision. Choose ACV or stated value and set deductibles that match your cash-flow. Add downtime, gap/loan-lease, and electronic equipment where available.
Protects freight you haul. Set limits and deductibles by commodity (e.g., reefer, flatbed steel, household goods). Add endorsements like reefer breakdown, earned freight, debris removal, and theft-at-yard as needed.
Liability and physical damage for trailers you don’t own under a written interchange agreement (e.g., port/rail). If you pull customer or rental trailers, confirm whether non-owned trailer coverage is required.
Bobtail applies when operating a tractor without a trailer; NTL applies when the truck is not used for business/under dispatch. Contracts often specify which is required—choose correctly to avoid gaps.
Premises/operations liability outside of auto operations (e.g., slip-and-fall at your yard, incidental stop exposures). Some shippers request GL in addition to auto liability.
| Coverage | What it does | Operational nuance | Best for |
|---|---|---|---|
| Primary Liability | Third-party BI/PD from covered autos | Contracts often mandate $1M; confirm commodities/routes | All carriers & O/Os |
| Physical Damage | Comp/collision for tractor/trailer | Set values per unit; consider downtime and gap | Financed units & late-model equipment |
| Motor Truck Cargo | Freight protection | Endorse per commodity; watch reefer exclusions | Reefer, flatbed, dry van |
| Trailer Interchange | Non-owned trailer PD under agreement | Ports/rails often require; set per-trailer limit | Intermodal, drop-and-hook |
| Bobtail / NTL | Liability off-dispatch or non-business use | Choose correct form per lease/dispatch rules | Leased O/Os |
| Truckers GL | Premises/operations liability | Separate from auto liability; sometimes required | Yard ops, shop, limited warehousing |
| Driver | Why it matters | Pro move |
|---|---|---|
| Radius & routes | Long-haul and unfamiliar lanes increase exposure | Document regular lanes; limit high-risk geographies when possible |
| Commodity & theft risk | High-theft and high-hazard loads rate higher | Install locks/GPS; set cargo limits per commodity, not “one size” |
| Drivers & MVR/CDL tenure | Experience, violations, and losses affect eligibility/price | Set hiring standards; run MVRs; provide defensive driving refreshers |
| Equipment value/age | Late-model tractors & specialty trailers cost more to repair | Right-size deductibles; consider stated values and downtime coverage |
| Safety & telematics | Dashcams & ELD analytics reduce severity and disputes | Adopt dashcams; track events; coach drivers to improve loss runs |
| Loss history & SMS profile | Prior claims and safety scores signal risk | Address violations, repair trends, and provide documentation |
Filings & certificates: We handle federal/state filings and COIs promptly (e.g., MCS-90, BMC-91X, and state Form E/H where applicable), aligning limits and endorsements with your contracts so you can load and roll.
| Region / Corridor | Typical Ops | Common Needs | Notes |
|---|---|---|---|
| I-10 / Southwest | Long-haul van/reefer, cross-desert lanes | $1M liability, $100k+ cargo, reefer breakdown | Heat exposure—confirm electronic equipment coverage |
| I-35 / Central | Regional hub-and-spoke, retail distribution | Trailer interchange, non-owned trailer PD | Drop-and-hook—check interchange agreements |
| I-40 / Plains | Flatbed steel, machinery | High cargo limits, securement loss prevention | Commodity-specific endorsements may apply |
| Ports & Rail | Intermodal, drayage | Interchange PD, higher GL limits | Yard/terminal access requires timely COIs |
Have authority changes or adding units? We’ll update schedules, values, and filings quickly so growth doesn’t create coverage gaps.
Many contracts require $1M primary auto liability and cargo limits that fit the commodity (often $100k+). Some lanes or commodities require higher limits—share your contracts and we’ll align coverage and COIs.
No. Bobtail applies when a tractor is operated without a trailer; non-trucking liability applies when the unit isn’t used for business/dispatch. Contracts may specify one—choose the correct form to avoid gaps.
Yes—federal and state filings and contract-ready COIs are part of our service. We set them up promptly and update them as units or limits change.
Improve driver standards, add dashcams/telematics, right-size cargo limits by commodity, and set deductibles that match your cash-flow. We’ll model options and show the impact on total cost of risk.
Tell us before you run it. We’ll update schedules, values, and filings; adjust cargo terms; and issue updated COIs so you can book the load with confidence.
Independent agency: Blake Insurance Group LLC compares multiple carriers to help you match truck insurance to your lanes, contracts, and budget.
Brand ownership: All trademarks belong to their owners; no affiliation or endorsement implied.
Licensing: Licensed insurance producer (NPN 16944666). Availability and eligibility vary by state; your issued policy governs benefits, limitations, and exclusions.
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Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Owner & Principal Agent