Why Trucking Insurance Is a Must-Have for Your Business
- Shane Barr
- 1 day ago
- 2 min read
By Melissa Strong – Source One Insurance Agency
Whether you’re an owner-operator, a small fleet, or a growing logistics company, trucking insurance is not just another expense — it’s essential protection that keeps your business on the road legally and financially secure.
What Is Trucking Insurance?
Trucking insurance is a customized policy designed to protect commercial vehicles, cargo, drivers, and others on the road. Depending on the type of trucking operation you run, your policy may include:
Primary Liability – Required by FMCSA, this covers damage or injuries caused to others.
Physical Damage – Covers repairs or replacement for your truck if damaged in an accident, fire, or theft.
Motor Truck Cargo – Protects the goods you're hauling in case of loss or damage.
Non-Trucking Liability (Bobtail Insurance) – Covers your truck when it’s not under dispatch.
General Liability – Covers your business beyond the truck (ex: loading docks, client property).
Why It’s Non-Negotiable
FMCSA & DOT ComplianceYou need proof of insurance to get and maintain your authority. Operating without proper insurance can lead to fines, shutdowns, and revoked authority.
Protects Your LivelihoodOne accident could lead to lawsuits, medical bills, and cargo claims. The right coverage prevents financial devastation and business interruption.
Builds Business CredibilityBrokers and shippers prefer to work with fully insured carriers. The right insurance helps you land better loads and grow your business.
Peace of MindWhen you're out on the road, the last thing you want to worry about is “what if.” Insurance lets you focus on what you do best — hauling freight and making money.
What Makes Source One Insurance Different?
At Source One, we specialize in trucking insurance for new ventures and seasoned carriers. We work with top-rated companies like Progressive, Canal, Cover Whale, and more to find the best coverage at the best price.
We also offer:
✅ Same-Day COI (Certificates of Insurance)✅ Help with Filings (MCS-90, BOC-3, UCR)✅ DOT Audit Protection✅ Payroll & Compliance Services✅ Equipment Financing Options
Let’s Keep You Rolling
If you're starting a trucking company or shopping for better coverage, let’s talk. We'll make sure you get the right protection without breaking the bank.
📞 Call 410-417-9639🌐 Visit: https://www.sourceoneinsuranceagency.com/free-quote
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