Request your quote for customized commercial trucking insurance.




Many insurance companies have entered and backed out of the commercial auto market but XINSURANCE will be by your side as a reliable partner because we’ve been specializing in commercial trucking insurance for over 40 years. If you’re struggling to find insurance, we offer customized commercial trucking insurance that is tailored for you. We can cover trucks that are used for business purposes, such as long-haul trucking, short-haul trucking, delivery trucks, dump trucks, tow trucks, garbage trucks, auto fleets, and more.

With XINSURANCE, you will have the customized coverage you need through our all-in-one approach. By reviewing your operations and experience level, we provide insurance solutions made to fit your needs. So no matter the situation, no matter the risk or history, we are here to help you!

Primary commercial auto insurance is not available in every state and we do not offer personal auto insurance. Please contact us to check state availability.

commercial trucking insurance

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.


There will always be a great need for truckers. They transport clothing, food, furniture, electrical goods, and more all across the country. The trucking industry accounts for more than 5% of all full-time jobs in the US. However, there is currently a shortage of approximately 80,000 drivers.

That means there is a chronic need for drivers on the roads for the country to keep receiving the goods it requires.


Driver safety is the biggest source of fleet liability risk. Whether a business has a fleet of trucks or just one or two salespeople on the road, it could be at risk for a costly lawsuit. Many companies don’t realize they have an important duty of care to do all they can to ensure they put only safe drivers on the roads. An MVR on each driver, monitored monthly, can help the company achieve this- driver after driver.

Download this FREE ebook to learn about MVR Monitoring and Reporting in the Transportation Industry to use as a guideline, whether you’re an insurance producer or an insured!

xinsurance MVR

We appreciate that times are hard for those who are working in the trucking industry. That’s why we deliver excellent quality insurance for trucking companies. High-quality insurance is still necessary, despite the industry facing a downturn.

The downturn has left many business owners or independent drivers facing bankruptcy, with many having to look for other ways to make a living. In late 2019, one of the largest trucking firms – Celadon – closed its doors for good and left a staggering 3,000 drivers jobless. Individuals were stranded along the roads mid-route with no means of paying for fuel to get themselves home. This was the latest company in a long line of over 800 trucking firms and independent drivers to go under.

Trucking Company Insurance | Yellow big rig semi truck on rural road against mountain backdrop

There are two main reasons for this ongoing catastrophe:

  • The rising tariffs imposed on goods imported from China, which impacted the ability to get goods at an affordable rate
  • The soaring cost of insurance for trucking companies

The market for insurance for trucking companies has been a touchy subject for a while. Increased premiums coupled with more and more insurers unwilling to take on the risks that come with the trucking industry have left thousands of workers unable to afford insurance. Or they have been unable to find insurance. This is even more of a problem for trucking businesses that have a safety or accident/loss record that is less than exemplary; these are often outright refused by insurers.

Coverages Available

Commercial Auto Liability

An important safeguard for your business, liability insurance protects you financially against lawsuits in which you, or your employee, is at fault for damage done to property or personal injury. These lawsuits usually develop as a result of auto accidents and can generate massive financial damage to your business. If your business lacks adequate liability insurance, it may not survive one of these lawsuits.

Coverage for Physical Damage to Your Auto

In case of an accident, or other unforeseen situations, this policy often provides three options for coverage: comprehensive, specified cause of loss, and collision. Comprehensive, is, as it sounds, comprehensive. It applies to damage caused by anything other than the vehicle’s collision with an object, such as fire, theft, or vandalism. Comprehensive coverage is designed to coexist with collision coverage, which protects your vehicle against direct collisions.

Coverage for Motor Truck Cargo

This covers you in cases where your cargo is lost or damaged. There are many exclusions to this policy, and you should check with us, at XINSURANCE to determine just how far the policy extends. Usually, policies enact limitations on certain commodities, such as tobacco, alcohol, and furs, because these are subject to special trade restrictions.

Hired Auto Policy

The hired auto policy provides liability coverage in the case of vehicles that you “hire” (i.e., lease or rent, but do not own). This policy operates as a supplement to your general liability. It covers bodily injury and property damage, but not collision damage. We also provide a non-hired auto policy, which applies to personal vehicles owned by employees, but not directly by the business. Just like hired auto, this policy operates as a supplement to a general liability policy.

Contingent Auto Liability Policy.

This policy is designed primarily for leasing companies that own the vehicles they lease to others. When such a company leases a vehicle, it remains the legal owner. This means that the company could be named in a lawsuit resulting from an accident involving one of its vehicles. Contingent auto liability protects the company in this instance. Others can also benefit from this protection. Trucking brokers often pair privately owned trucks with jobs. By doing so, they assume a certain amount of liability. In a lawsuit, the broker could face a similar case to the leasing company, in which case contingent auto liability would protect him.

Trailer Interchange Coverage.

It is common for truckers to use trailers belonging to others, and this policy provides coverage for physical damage incurred to a trailer while it is in the driver’s possession. It requires a “written trailer or equipment interchange agreement” to be in place for the insurance to operate upon the trailer.

Above are just a few of the policies included in our commercial truck insurance quote. We also provide other policies, as well as excess coverage.


commercial trucking insurance

Drivers on their phone are 23 times more likely than others to suffer from a vehicle accident – yet virtually all of today’s taxi drivers use mobile phones or other GPS systems to navigate.

commercial trucking insurance

According to the FMCSA, 415,000 reported crashes involved commercial vehicles in the United States in 2015.

commercial trucking insurance

60% of crashes involving commercial vehicles occurred on rural roads, while only 25% of them occurred on rural or urban interstate highways.

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