- 625 S 4th St, Renton, WA 98057
- info@dokagency.com
- +1 425-242-5252
Trucking Insurance from DOK
Reliable coverage and expert guidance for every kind of trucking operationâcoast to coast.
Our Trucking Insurance Insurance Partners
Welcome To DOK TRUCKING!
Whether you're an owner-operator leased under a carrier, managing your own authority, running hot-shot loads, or insuring a fleet, your trucking insurance needs are uniqueâand we're here to help you navigate them with confidence. At DOK Insurance Agency, we specialize in tailored trucking coverage solutions including Non-Trucking Liability (NTL), Physical Damage, Cargo, and more. No matter your operation size or risk profile, our expert team is ready to guide you to the right protection so you can keep moving forward.
Start by selecting the category that best fits your operation below
Letâs work togetherâ
Get in touch today and receive a complimentary consultation or instant quote
Why Trucking Companies Choose DOK Insurance
| DOK INSURANCE | OTHER AGENCIES | |
|---|---|---|
| Instant Quoting | Yes | ? |
| Access to multiple carriers | Yes | ? |
| Live Operators (chat, phone and SMS) | Yes | ? |
| Extended Business hours | Yes (8 am to 12 am EST) | ? |
| Self-Service COIs | Yes | ? |
| Dedicated Tow Truck Team | Yes | ? |
| Fleet Quoting Available | Yes | ? |
| Multi-State Operation | Yes | ? |
| Experience with High-Risk or Lapsed Operators | Yes | ? |
| On-Hook and Garagekeepers Expertise | Yes | ? |
Common Trucking Coverages
Primary Trucker Liability
Required for all carriers with an MC number. Covers bodily injury and property damage you may cause to others in an accident.
This will usually make up the biggest chunk of your insurance premium.
Motor Truck Cargo
Not required by FMCSA, but commonly required by shippers and freight brokers.
This policy protects the goods you haul in case of damage or loss due to fire, collision, theft, or reefer failure. Shippers require this coverage to ensure their products are financially protected while in transit.
Trailer Interchange / Non-Owned Trailer Insurance
Not FMCSA-required, but often required by carriers or brokers.
It provides physical damage coverage for trailers youâre pulling but donât ownâtypically under a trailer interchange agreement. Without it, youâre personally liable for any damage to those trailers.
Non-Trucking Liability (NTL)
Not required by FMCSA, but often required by motor carriers for leased drivers.
This covers liability when your truck is used off-dispatch, like for personal errands. It ensures coverage when you're not under load but still behind the wheel.
Motor Truck Cargo
Required by law in most states if you have employees.
It covers medical bills and wage replacement for drivers or staff injured on the job. Even if youâre a solo operator, brokers may ask for proof of worker coverage, or you might opt for occupational accident insurance.
Physical Damage Insurance
Optional if you own your equipment. But usually required by lenders or leasing companies.
It covers repair or replacement costs if your truck or trailer is damaged due to collision, theft, fire, or vandalism. Itâs essential if you're financing your equipment and want to protect your investment.
General Liability Insurance
Not required by FMCSA, but may be required by brokers, warehouses, or loading facilities.
It covers third-party claims unrelated to driving, like slip-and-fall injuries, property damage at docks, or advertising-related liability. Large logistics contracts often require it for added protection.
Downtime & Rental Reimbursement
It reimburses income loss and rental expenses if your truck is down due to a covered incident. This keeps cash flow stable while you're waiting on repairs.
Roadside Assistance
Breaking down with 80,000 lbs on the road can be costly. This may cover towing, fuel delivery, tire service, lockout assistance, and more. Itâs often bundled with other coverages to reduce costly delays and breakdown-related disruptions.
Umbrella Liability Insurance
Optional but highly recommended. Extends your liability limits beyond whatâs covered in auto and general liability policiesâhelpful for contracts with higher liability thresholds.
DOK INSURANCE IS HERE FOR YOU
Personalized Service for Owner-Operators to Flees
100% customer satisfaction guaranteed
Fast Quotes & 24/7 Certificate Issuance
Trusted by Carriers Across North America
HOW DOK CAN HELP
Shop Around for insurance
Whether you’re a single-unit owner-operator or building a multi-truck fleet, weâll design coverage that fits your exact needs â without overspending. As an independent agency, DOK Insurance shops multiple top-rated carriers on your behalf to find the best combination of price, protection, and policy flexibility. We compare options across liability, cargo, physical damage, and more â so you get real value and the peace of mind that comes with expert recommendations, not sales pressure.
Receive Service the Way You Prefer
Clients can reach us on their terms â by email, phone, text, or live chat during our expanded service hours. We also offer 24/7 self-service tools, including a quick and easy Certificate of Insurance (COI) generator, so you can get what you need anytime, without waiting. At DOK Insurance, convenience isnât optional â itâs built in.
FMCSA & DOT Compliance
Weâll help you navigate federal filings, BOC-3, and insurance minimums to stay compliant and on the road. Our customers benefit from the latest regulatory and industry news, updates and potential risks.
Ongoing Support & Risk Management
Our relationship doesnât end once your policy is issued. At DOK Insurance, we provide year-round support to help you stay protected and proactive. Whether you’re facing an upcoming audit, expanding your fleet, or filing a claim, weâre here to guide you through the process with clarity and urgency. We also review your coverage regularly to ensure it still fits your operation â adjusting as your business grows and risks evolve. With us, you’re not just insured â you’re backed by a partner committed to your long-term success.
Expert Guidance from Day One
We answer the questions you didnât even know to ask â because when you’re starting a trucking company, the paperwork and policy choices can feel overwhelming. From permits and filings to choosing the right limits and endorsements, our team walks you through each step without jargon or pressure. We make sure you understand your coverage, your compliance requirements, and your options â so you can make informed decisions with confidence and focus on growing your business.
Ready for a Quote?
Please fill out the form and include as much information as possible. Please upload pictures of all driver’s licenses (front only) and any documents that you think would be helpful.
Once you submit the form, we will shop around for the following for you.
Here is what we need for the most accurate quote:
Driverâs License
A clear photo of the front of your license. You can send it to us via this form, texting it to us at 425-242-5252 or emailing info@doktrucking.com
MC or DOT Number
If already active
Value of your equipment
If you are thinking about adding physical damage (comp/collision), please provide us with the approximate value.Â
VIN Numbers
For each truck and trailer you want to insure. If you don't have those yet, no problem, just provide a year, make, model of equipment you are considering.
Loss Runs Report
Very helpful if you have current/prior coverage
Years of Driving Experience
And years under your own authority
Type of Cargo Hauled
Dry Freight, reefer, flatbed, hazmat, etc.
Letâs work togetherâ
Get in touch today and receive a complimentary consultation or instant quote
Frequently Asked Questions
1.How can I lower my insurance costs?
Shop around. There is no silver bullet to lower your insurance cost. Agencies like ours should be looking at various options for you, to reduce the amount of time you need to spend talking to insurance companies.
2.Same company but lower price. How is that possible?
At DOK, we pride ourselves to providing accurate quotes. That's why we might be asking more questions than other agents. If you get a quote from the same company from another agent but the premium is different, one of us made a mistake.Â
The last thing we want to do is sign you up for a policy that goes up the 2nd month because the information was incorrect. We have dealt with other agencies offering a lower (wrong) quote on purpose and then having to make excuses once the first bill was higher.Â
3.Is there a fee for getting an insurance quote?
We do not charge any fees for quotes, insurance reviews or risk consultations.
4.Can I pause or cancel my insurance if Iâm not working for a few months?
Most commercial trucking policies do not allow short-term suspensions. Cancelling may affect your DOT/MC authority and create a lapse in coverage, which can raise future premiums.
5.How long does it take to get a quote?
We can sometimes offer a quote after a short phone conversation or after you provided us with all the information in a quote form.Â
When possible, we provide quotes within twenty-four business hours, assuming we have all the information that we need.
6.What is non-trucking liability insurance?
Non-trucking liability (NTL) covers you when you're using your truck for non-business purposes, like driving it home or running personal errands. Itâs especially important for leased owner-operators.
7.Whatâs the difference between bobtail and non-trucking insurance?
Bobtail covers you when you're driving without a trailer, even under dispatch. Non-trucking liability covers personal use when you're not under dispatch. Some insurers bundle or distinguish them differently.
8.How fast can I get a policy and start hauling?
If you have your DOT/MC authority and documentation ready, some policies can be issued within 24â48 hours.
9.Can I switch my agent?
Most commercial trucking policies do not allow short-term suspensions. Cancelling may affect your DOT/MC authority and create a lapse in coverage, which can raise future premiums.
10.Do I need insurance before applying for my MC number?
No, but to activate your MC authority, FMCSA requires you to file proof of insurance (Form BMC-91 or BMC-91X) within 90 days of application.