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.
Coverage
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
(higher for hazmat)
Typical annual cost
(per power unit)
per truck / per year
Coverage
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
lender may require “Stated Value”
Typical annual cost
(per power unit)
Coverage
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)
per year
Coverage
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
carrier lease agreements
Typical annual cost
(per power unit)
Coverage
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
(contract-driven)
Typical annual cost
(per power unit)
Coverage
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)
Coverage
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)
FAQ
Feel free to ask if you need deeper explanations or check additional FAQs.
