Trucking Insurance for Owner-Operators & Fleet Owners
Protect Your Authority. Protect Your Rig. Protect Your Income.
Insuranceisland specializes in commercial trucking insurance for owner-operators, new ventures, and small fleet operators. We understand DOT requirements, FMCSA filings, broker contract requirements, and the real risks truckers face every day.
Whether you run one truck or manage a growing fleet, we help you secure the right coverage — without overpaying or leaving dangerous gaps.
Who We Insure
We work with:
- Owner-Operators
- Small Fleets (2–20 trucks)
- Box Truck Operators
- Local & Long-Haul Carriers
- Reefer, Dry Van, Flatbed, and Specialized Haulers
Trucking Coverages We Offer
We provide access to multiple A-rated insurance carriers to structure complete trucking insurance programs.
Primary Auto Liability
Required by FMCSA. Covers bodily injury and property damage caused by your truck.
Motor Truck Cargo
Protects the freight you haul from loss, theft, or damage.
Physical Damage
Covers your truck and trailer against collision, fire, theft, and vandalism.
General Liability
Often required by brokers and shippers for loading/unloading or premises exposure.
Trailer Interchange
Coverage when hauling trailers you do not own.
Non-Trucking Liability
Protection when operating off-dispatch.
Non-Trucking Liability
Protection when operating off-dispatch.
Workers Compensation
For fleet operators employing drivers.
Umbrella Coverage
Extra liability protection above primary limits.
Why Truckers Choose Insuranceisland?
- Deep understanding of FMCSA and DOT requirements
- Experience insuring new ventures and higher-risk accounts
- Fast Certificates of Insurance (COI) issuance
- Annual renewal coverage reviews
- Competitive market access
- Dedicated trucking advisors
- Over $6 million in trucking premium currently managed
We don’t just sell policies. We help protect your operating authority.
Free Trucking Insurance Risk Review
- Coverage gaps
- Liability limits vs broker requirements
- Cargo limits
- Deductible structure
- Claims exposure
- Premium competitiveness
Schedule Your Free Risk Review
DOT & SAFER Compliance Support
Your public safety profile impacts your business.
As part of our client service, we assist with:
Claims Support When It Matters Most
Accidents happen. When they do:
- We assist with claims reporting
- Coordinate with carriers
- Guide you on documentation
- Help reduce downtime
You speak to a real person who understands trucking.
How Our Process Works
Step 1 – Schedule a 15-Minute Review
Tell us about your operation.
Step 2 – Coverage & Risk Analysis
We evaluate your current program and identify improvements.
Step 3 – Secure Competitive Options
We present structured options that protect your business properly.
Frequently Asked Questions
Premiums vary based on experience, vehicle type, operating radius, cargo type, and claims history. New ventures typically pay higher initial premiums.
Yes. We work with new ventures and help structure programs that meet FMCSA requirements.
In most cases, quotes can be generated within 24–72 hours depending on complexity.
Most interstate carriers require $1,000,000 primary auto liability. Certain cargo types require higher limits.
Yes. We assist with required filings and compliance support.
Ready to Protect Your Authority?
Schedule your free trucking insurance review today and ensure your coverage matches your risk.