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Insurance That Keeps You on the Road, Not Stuck in Paperwork

Commercial Trucking Insurance That Protects What Moves You

We help owner-operators and fleets get fast, compliant, custom coverage — with no guesswork.

Pro Risk Insurance

Trucking Insurance

Commercial trucking insurance protects businesses and independent drivers who operate vehicles for business purposes. Whether you run a fleet or drive your own rig, this coverage helps shield you from the high costs of accidents, cargo loss, physical damage, and legal claims. At ProRisk, we tailor every policy to fit your routes, your cargo, and your business.

Truck on the road

What’s Included in Your Trucking Insurance Policy?

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Auto Liability

Covers bodily injury or property damage you cause in an at-fault accident.
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Physical Damage Coverage

Pays for repairs or replacement if your truck is damaged in a crash, fire, theft, or vandalism.
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Cargo Insurance

Protects the freight you're hauling from loss, damage, or theft while in transit.
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General Liability

Covers accidents and claims that happen off the road, like at loading docks, offices, or job sites.
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Trailer Interchange

Covers damage to trailers you don’t own but are hauling under an interchange agreement.
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General Liability

Covers accidents that happen outside of driving, such as customer injuries at a trucking business location.
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Bobtail / Non-Trucking Liability

Provides liability coverage when you're driving without a trailer for non-business purposes.

Who Needs Commercial Trucking Insurance Coverage?

This type of insurance is essential for:

Owner-operators

Independent drivers who need simple, fast coverage to meet DOT, shipper, and broker requirements.

Trucking companies

Fleet owners who want scalable insurance options for drivers, cargo, and equipment — all in one place.

Freight carriers

Companies that move freight across states and need reliable liability and cargo protection.

Contract drivers

Professional drivers seeking individual coverage or looking to meet motor carrier insurance requirements.

Commercial trucking insurance is a critical investment to protect drivers, businesses, cargo, and financial assets from potential risks on the road.

What You Need to Get a Commercial Truck Insurance Quote

 Getting a quote is easier than you think. You’ll just need a few basic details so we can match you with the right coverage — fast.

Vehicle Information

Vehicle Information

  • VIN numbers for each truck

  • Vehicle make, model, and year

  • Gross vehicle weight (GVW)

  • Annual mileage estimates

  • Usage details (long-haul, regional, etc.)

Driver Details

  • Name, license number, and state

  • Years of CDL experience

  • Driving history (violations or accidents)

  • Date of birth

Loss History

  • A record of any claims in the past 3–5 years

  • Insurers use this to assess risk and finalize pricing