Whether you run under your own authority or lease on to a carrier, GIA Group, LLC matches hard-working drivers with protection built for the realities of the road—fast quotes, clear coverage, and support from agents who know trucking well.
Meets FMCSA minimums and covers injuries to others and damage to their property when an insured commercial truck is at fault in an accident. Required for all interstate carriers.
Who typically needs it
Minimum limits / requirements
Typical annual cost
(per power unit)
Covers repair or replacement of the insured tractor and trailer after collision, overturn, fire, theft, or vandalism. Lenders and leasing companies typically require proof of this coverage before funding equipment.
Who typically needs it
Minimum limits / requirements
Typical annual cost
(per power unit)
Protects the value of freight being hauled against loss, damage, or theft—from refrigerated produce to high-value electronics—so shippers and brokers can book loads with confidence.
Who typically needs it
Minimum limits / requirements
Typical annual cost
(per power unit)
Provides liability protection for owner-operators while the truck is off-dispatch, dead-heading, or returning home without a trailer—filling the gap where a motor carrier’s policy ends.
Who typically needs it
Minimum limits / requirements
Typical annual cost
(per power unit)
Provides physical damage coverage for non-owned trailers pulled under an interchange agreement. It is vital for power-only, port drayage, and drop-and-hook operations.
Who typically needs it
Minimum limits / requirements
Typical annual cost
(per power unit)
Statutory workers’ comp for W-2 drivers or alternative occupational-accident plans for owner-operators. Provides medical, disability, and death benefits after a work-related injury.
Who typically needs it
Minimum limits / requirements
Typical annual cost
(per power unit)
Adds an extra $1–$5 million (or more) above your underlying auto and general liability limits—often required by high-value shippers, oversized-load permits, and broker contracts.
Who typically needs it
Minimum limits / requirements
Typical annual cost
(per power unit)
Feel free to ask if you need deeper explanations or check additional FAQs.
