Protects your trucking company when your truck is legally responsible for bodily injury or property damage to others. If your driver is involved in an accident, this coverage helps pay for medical bills, vehicle repairs, cargo damage to third parties, legal defense costs, settlements, and court judgments. In the trucking industry, even a
single serious accident can result in claims reaching hundreds of thousands — or even millions — of dollars. Auto Liability coverage not only protects your business assets but also ensures
you meet FMCSA requirements and broker contract limits (typically $750,000 to $1,000,000 or more). At Alpha Insurance, we structure liability coverage based on your fleet size, operating radius, commodities hauled, and risk profile — so you’re properly protected on every mile.
Protects the freight you haul while it’s in your care, custody,
and control. If cargo is damaged, stolen, lost, or involved in an accident, this coverage helps pay for the value of the load so your business isn’t forced to absorb the loss. In today’s trucking
industry, even a single rejected or damaged load can cost tens of thousands of dollars — and without proper cargo coverage, that expense comes directly out of your pocket. Motor Truck Cargo also helps you meet broker and shipper requirements, giving you the credibility and protection needed to secure better loads. At Alpha Insurance, we structure cargo limits based on your commodities, lanes, and contract requirements to ensure you’re fully protected on every shipment.
Helps cover the cost of towing and roadside assistance if your truck becomes disabled due to a mechanical failure. Whether it’s an engine issue, transmission failure, electrical problem, or breakdown on the highway, this coverage helps pay for towing expenses to the nearest repair facility. In the trucking industry, unexpected breakdowns don’t just mean repair costs — they also mean downtime and lost revenue. Having towing coverage ensures you’re not hit with large out-of-pocket expenses just to move your truck off the road safely. At Alpha Insurance, we help you add the right roadside and towing options to keep your fleet moving and minimize costly delays.
Protects your truck and trailer from direct physical loss or
damage, regardless of fault. Whether your equipment is involved in an accident, damaged by fire, vandalism, theft, severe weather, or a collision, this coverage helps pay for repairs or replacement so your business can get back on the road quickly. In the trucking industry, your truck is your income-producing asset — and a single major loss can stop cash flow immediately. Physical Damage coverage is typically structured with Comprehensive and Collision protection, based on the stated value of your equipment and deductible selection. At Alpha Insurance, we help you properly value your units to avoid underinsurance and ensure fast recovery when unexpected losses occur.
Protects your trucking company from claims involving bodily injury or property damage that occur outside of operating your truck on the road. This coverage applies to incidents such as injuries at your office or yard, damage to a customer’s property during loading or unloading (non-auto related), advertising injury, or other third-party liability exposures. While Auto Liability covers accidents caused by your truck, General Liability protects your business from everyday operational risks that can still lead to costly lawsuits. Many brokers, shippers, and contracts require General Liability coverage to secure loads and maintain compliance. At Alpha Insurance, we structure General Liability policies specifically for trucking operations, ensuring your business is protected both on and off the road.
Provides injury protection for owner-operators and drivers who are not covered under a traditional Workers’ Compensation policy. If a driver is injured while performing job-related duties — such as loading, unloading, driving, or vehicle inspections — this coverage helps pay for medical expenses, disability benefits, accidental death benefits, and lost income. For leased owner-operators, Occupational Accident coverage is often required by motor carriers and helps provide financial protection without the higher cost of Workers’ Compensation. At Alpha Insurance, we structure OCC/ACC policies to match your operating agreement, driver classification, and contract requirements — ensuring your drivers are protected while keeping your business compliant and cost-efficient.
Provides liability coverage when an owner-operator
is using the truck for personal or non-business purposes while not under dispatch. If an accident occurs while the truck is being driven off-duty — such as going home, running personal errands, or traveling without a load — this coverage helps pay for bodily injury and property damage to others. Non-Trucking Liability is typically required for leased owner-operators operating under a motor carrier’s authority, helping fill the gap when the motor carrier’s primary liability policy does not apply. At Alpha Insurance, we ensure your Non-Trucking Liability policy properly aligns with your lease agreement and operating structure, so you stay protected even when you’re off the
clock.
Provides additional liability protection above your primary Auto Liability and General Liability limits. In the trucking industry, severe accidents can result in claims that exceed standard $1,000,000 liability limits. Excess or Umbrella coverage steps in once those underlying limits are exhausted, helping protect your business from catastrophic financial loss. This coverage is especially important for fleets hauling high-risk commodities, operating in heavy-traffic states, or working with brokers and shippers that require higher liability limits (such as $2M, $3M, or more). At Alpha Insurance, we structure excess coverage to properly sit over your primary policies, ensuring seamless protection and stronger asset protection for your company.
Provides medical and wage benefits to employees who are injured while performing job-related duties. For trucking companies with W-2 drivers, mechanics, office staff, or yard employees, this coverage helps pay for medical treatment, rehabilitation costs, and a portion of lost wages if an employee is hurt on the job. Workers’ Compensation also protects your business from potential lawsuits related to workplace injuries and ensures compliance with state labor laws. In the trucking industry — where loading, unloading, repairs, and long hours on the road create higher risk — having proper Workers’ Comp coverage is essential. At Alpha Insurance, we help structure policies based on your payroll, job classifications, and state requirements to keep your operation protected and compliant.
Protects you when you are pulling a trailer that you do not own. If a borrowed, leased, or broker-provided trailer is damaged while in your care, custody, and control, this coverage helps pay for repair or replacement costs. Many motor carriers and brokers require Trailer Interchange coverage before releasing a trailer, especially when operating under a written interchange agreement. Without this protection, you could be personally responsible for expensive damage to someone else’s equipment. At Alpha Insurance, we structure Trailer Interchange limits based on the value of the trailers you haul, ensuring you stay compliant and financially protected on every load.
– At Alpha Insurance Agency, we specialize exclusively in trucking insurance and offer complete
coverage solutions for owner-operators and fleet owners. Our insurance programs include Auto
Liability, Physical Damage (APD), Motor Truck Cargo, General Liability, Non-Trucking Liability,
Trailer Interchange (Non-Owned Trailer), Workers’ Compensation, Occupational Accident
Coverage (OCC/ACC), Excess or Umbrella Liability, and Towing for Mechanical Breakdown.
Whether you are a new venture starting your authority or an established fleet operating in
multiple states, we structure coverage based on your equipment, drivers, commodities, and
broker requirements to ensure you are fully protected and compliant on every mile.
– Truck insurance costs vary widely based on the type of coverage you need, the size and age
of your equipment, your driving and loss history, the commodities you haul, your operating
radius, and the states you travel in. Factors like your number of trucks, driver experience, credit
profile, coverage limits, and deductible choices all influence your premium. Because every
trucking business is unique, there isn’t a one-size-fits-all price — but at Alpha Insurance Agency,
we work with multiple top trucking markets to find competitive rates tailored to your operation
and budget, helping you get the right protection at the best possible price.
– Yes, we specialize in insuring owner-operators. Whether you operate under your own authority
or are leased onto a motor carrier, Alpha Insurance Agency offers tailored trucking insurance
solutions designed specifically for owner-operators. We provide coverage options such as Auto
Liability, Physical Damage, Motor Truck Cargo, Non-Trucking Liability, Occupational Accident,
and more — structured to match your lease agreement, operating authority, and business
needs. Our goal is to ensure you stay compliant, protected, and financially secure while keeping
your insurance costs competitive.
– If you need to file a claim, our team at Alpha Insurance Agency is here to guide you every step
of the way. We help you report the claim promptly to the insurance carrier, ensure all required
documentation is submitted correctly, and stay involved throughout the process to help avoid
delays. Whether it’s an accident, cargo damage, equipment loss, or another covered incident,
we work alongside you and the carrier’s claims department to make sure your case is handled
efficiently and fairly. Our goal is to minimize downtime, protect your business, and get you back
on the road as quickly as possible.
– Yes, discounts may be available depending on your operation and risk profile. Factors such as
clean driving records, prior insurance history, safety programs, dash cameras, ELD usage,
years in business, multi-policy bundling, and fleet size can all help lower your premium. Some
carriers also offer discounts for paid-in-full options or strong loss control practices. At Alpha
Insurance Agency, we review your operation in detail and work with multiple trucking insurance
markets to identify every possible credit and cost-saving opportunity — helping you secure the
best value without sacrificing coverage.
– Getting a quote is simple. You can call our office directly, complete the quote request form on
our website, or speak with one of our trucking insurance specialists for a quick consultation.
We’ll review key details such as your DOT number, equipment information, driver history,
commodities hauled, and operating radius to provide accurate and competitive options. At Alpha
Insurance Agency, we work quickly and efficiently to deliver tailored trucking insurance quotes
so you can stay focused on running your business.
– The time it takes to process a claim depends on the type and complexity of the loss. Simple
claims, such as minor physical damage or roadside incidents, may be resolved within a few
weeks, while larger liability or cargo claims involving investigations, multiple parties, or legal
review can take several months. Prompt reporting, accurate documentation, and clear
communication can significantly speed up the process. At Alpha Insurance Agency, we stay
involved throughout the claim to help ensure timely handling, reduce delays, and support you
until the matter is fully resolved.
– Ensuring you have the right coverage starts with a detailed review of your trucking operation.
Factors such as your DOT authority, commodities hauled, operating radius, fleet size, driver
experience, contract requirements, and broker expectations all play a role in determining proper
coverage limits and policy structure. At Alpha Insurance Agency, we conduct a thorough
consultation to identify potential risk exposures and gaps, then tailor your insurance program to
match your specific business needs. Our goal is to make sure you are fully protected, compliant
with FMCSA and broker requirements, and financially secure on every mile.
– Yes, you can add additional drivers to your policy at any time, subject to carrier approval. The
new driver’s experience, MVR (Motor Vehicle Record), prior insurance history, and overall risk
profile will be reviewed by the insurance company before being approved. In some cases,
adding a driver may affect your premium depending on their qualifications and driving history. At
Alpha Insurance Agency, we help you submit the required documentation quickly and work with
the carrier to ensure your drivers are properly added and compliant so your trucks can stay on
the road without interruption.
– If you have a question that isn’t listed here, our team is always ready to help. Every trucking
operation is different, and we understand that you may have unique concerns about coverage,
compliance, claims, or pricing. Simply give us a call, send us an email, or submit a message
through our website, and one of our trucking insurance specialists will respond promptly. At
Alpha Insurance Agency, we’re committed to providing clear answers and reliable support
whenever you need it.
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