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Our agency works with several top-rated insurance carriers and programs to provide competitive insurance products for every business that helps keep things moving. We are licensed in various states around the US. With our vast network of industry partners, we can help your logistics and transportation business stay protected.

With our experience of working with a wide variety of trucking, towing, delivery, and other logistics companies, we will provide the expertise and guidance to you to make sure that you will be covered when the worst might happen. We strongly believe in reviewing all potential exposures so you can decide which coverages are important to you.

We offer protection for you and your commercial trucking and transportation needs including auto liability, non-trucking liability (bobtail), general liability, motor truck cargo, and physical damage trailer interchange. We may also want to review the insurance for your office as well as your employment practice liability.

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What is Commercial Truck Insurance?

Commercial truck insurance includes a range of specific commercial auto insurance policies. They are designed to meet the needs of trucking businesses. Basic commercial truck insurance policies cover your rucks in the the event of an accident. Collision and comprehensive coverages, on the other hand, cover most damages from a wide range of perils.

Specialized commercial truck insurance options for your fleet include coverage for any additional perils and specific liability issues. If your business involves transporting valuable or time-sensitive materials across the country, adding a coverage for your cargo can help protect your investment as you haul.

Additional Coverages

Beyond basic and specialized coverage, commercial truck insurance requires additional coverages necessary to protect the trucking business and their employees, including truck drivers. You can add non-trucking options to your policy such as:

  • Non-trucking liability coverage: to protect against incidents when a truck isn’t transporting cargo
  • Occupational accident coverage: protects your drivers in the event of an accidental death or dismemberment.

Contact DOK Insurance Agency to learn more about the basic and specialized commercial truck insurance coverage options.

Customized Truck Insurance Coverages

We understand that every business’s needs are different. That’s why we offer customized truck insurance policies that can provide all the coverages you need to protect your business.

In addition to some of the common coverages shared by all commercial vehicles, DOK Insurance Agency also offers truck-specific coverages including:

  • Motor Truck Cargo
  • Motor Truck General Liability
  • Non-Trucking Liability
  • Rental Reimbursement with Downtime
  • Trailer Interchange

Who Needs Commercial Truck Insurance?

  • Independent owner-operators and truck drivers
  • Commercial Transportation Businesses
  • Any business with trucks, drivers, or transportation-related activity

Unlike commercial auto insurance, commercial truck insurance is designed specifically for trucks and cargo. Any commercial operation of a truck is required by the Federal Motor Carrier Safety Administration (FMCSA) to hold a commercial truck insurance policy.

The Top 4 Coverage Gaps We Find Among Transportation and Logistics Policies:

1. Cargo and on-hook coverage too low. All it takes is for an oversight to find yourself moving a load that goes beyond your limits.


2. No Employer Practice Liability or medical coverage or the limits are too low. Truck drivers, especially tow truck drivers, face increased risks daily. Make sure that you and your drivers are protected.


3. Not insuring your trucks for the full value. We understand that the temptation to decrease the agreed value on your trucks to save some money on your insurance. However, make sure that saving a couple hundred dollars is worth losing thousands after an accident.


4. No cyber coverage. The average total cost of a data breach in the transportation sector is $3.7 million, according to the 2019 Cost of a Data Breach Report: Ponemon Institute and IBM. Transportation has been behind the curve in purchasing cyber coverage, but experts see that changing in the months ahead as ransomware attacks continue to escalate in frequency and severity. Make sure you discuss this with your agent so he can help you better understand your dependence on computer systems, telematics and third-party vendors, as well as how much revenue would be lost if your systems were down for more than two days.

We’re always on the move to keep your business moving!


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