Washington State Commercial Trucking Specialists
Coverage built for owner-operators and small fleets. Primary liability, cargo, physical damage, bobtail — we build the right package for your operation.
Personal auto insurance won't cover you when you're hauling freight for pay. Commercial trucking insurance is a specialized product that accounts for your vehicle type, cargo, operating radius, and whether you're running under your own authority or leased to a carrier.
As an independent agency, we work with multiple commercial trucking carriers — not just one. That means we shop your risk across the market and find coverage that fits your operation and your budget.
Required by FMCSA. Covers bodily injury and property damage you cause to others when operating under your own authority. Minimum limits depend on cargo type — most shippers and brokers require $1,000,000 combined single limit. Hazmat operations require higher limits.
Covers your truck for collision, theft, fire, and weather damage. Includes both collision (crashes) and comprehensive (theft, fire, hail, vandalism). For most owner-operators, the truck is their most valuable asset — this coverage protects it.
Protects the freight you're hauling if it's damaged, lost, or stolen in transit. Many shippers and brokers require cargo coverage before assigning loads. Coverage limits typically range from $25,000 to $250,000 depending on the value of freight you haul.
Specialized cargo coverage for temperature-sensitive freight — produce, meat, dairy, pharmaceuticals, and frozen goods. Covers spoilage losses caused by mechanical breakdown of the refrigeration unit, power failure, or improper temperature maintenance. Standard cargo policies exclude reefer breakdown — this endorsement fills that gap.
Covers your truck when driving without a trailer — between loads, heading to a pickup, or returning after delivery. Primary liability often doesn't cover these miles. Bobtail fills the gap so you're protected even when you're not under dispatch.
Covers personal use of your truck when not under dispatch — running errands, driving home, or any non-business use. Fills the gap between your primary trucking policy and personal use. Required by many motor carriers for leased owner-operators.
Covers physical damage to trailers you don't own but are using under a trailer interchange agreement. If you're pulling a broker's or carrier's trailer and it's damaged, trailer interchange pays for repairs. Required by many shippers and brokers.
Covers bodily injury and property damage that happens away from your truck — at a shipper's dock, a customer's facility, or anywhere your business operates. Some shippers and brokers require general liability in addition to primary auto liability.
If you're an independent contractor without workers' comp, occupational accident covers medical expenses, disability income, and accidental death benefits if you're injured on the job. A critical safety net for owner-operators who are not covered by an employer's workers' comp policy.
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Same-day quotes for owner-operators and small fleets across all 39 Washington counties.
Insurance needs differ depending on how you run your business. Here's what matters most.
Running under your own FMCSA operating authority means you're responsible for your own primary liability, cargo, and any other coverage required by your shippers and brokers. You'll need to file proof of insurance (Form BMC-91 or BMC-91X) with FMCSA before your authority activates.
When you're leased to a motor carrier, their primary liability typically covers you while under dispatch. But you're still responsible for physical damage to your own truck, and you may need bobtail or non-trucking liability for miles driven outside of dispatch.
Getting your first MC number? New ventures face higher rates and fewer carrier options. We work with markets that specialize in new authority trucking — so you can get covered and start hauling without waiting months for a quote.
Small fleets have different needs than single owner-operators. Fleet policies can cover multiple units under one policy, simplify renewals, and often provide better rates per unit as your fleet grows. We help you structure coverage that scales with your business.
Different vehicles carry different risks. Here's how coverage typically applies to common truck types in Washington.
The most common commercial trucking setup. Coverage needs include primary liability, physical damage, cargo, and bobtail or NTL depending on your operating arrangement. Rates are heavily influenced by your driving record, years of CDL experience, and cargo type.
Flatbeds haul oversized, heavy, or awkward freight — steel, lumber, machinery, construction materials. Cargo coverage for flatbeds typically requires proper securement and may have exclusions for certain load types. Discuss your cargo with us so we find the right policy.
Reefer operations require specialized cargo coverage that includes reefer breakdown protection. Standard cargo policies exclude spoilage from mechanical failure — a reefer endorsement fills that gap. Essential for hauling produce, meat, dairy, or pharmaceuticals.
Dump trucks often operate locally — construction sites, quarries, landscaping. Coverage needs vary depending on whether you're hauling for hire or doing owner-operator work. Many dump truck operators also need general liability for work at job sites.
Box trucks are used for local delivery, moving, and last-mile freight. If you're hauling for hire — even locally — personal auto won't cover you. Commercial auto or trucking coverage is required. We can help you find the right policy for your box truck operation.
Hotshot operators use pickup trucks and gooseneck trailers to haul time-sensitive loads — often oilfield equipment, construction materials, or agricultural freight. Hotshot insurance requires commercial trucking coverage, not personal auto. Operating under your own authority requires FMCSA filing.
Two coverages that sound similar but serve different purposes. Here's the difference.
Not sure which one you need? Call us at 1-888-874-0208 — we'll help you figure it out.
Having this information ready speeds up the process — most quotes are same-day.
Your truck
Year, make, model, VIN, and stated value
Operation type
Own authority, leased to carrier, or local/regional
Cargo type
What you haul — general freight, refrigerated, flatbed, hazmat, etc.
Operating radius
Local (under 50 miles), regional (50–500 miles), or long-haul
CDL experience
Years of CDL driving experience and any violations in the past 3–5 years
Current coverage
Whether you're currently insured and with which carrier
Practical information for Washington owner-operators — insurance, business, and the road ahead.
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We specialize in Washington owner-operators and small fleets. Same-day quotes, 20+ carriers compared.
