Operator working under someone’s authority

If you are an owner operator working under someone’s authority, you will need the following coverages:

Non-Truck Liability Insurance

It covers you when you use your truck for personal use, when you are in your home state and off duty, like going shopping or travelling to sporting event. This coverage is designed to protect you from gap in primary liability coverage provided to you by the trucking company. Non truck liability does not cover you if you are carrying cargo or dispatched to another state by your carrier.

Physical Damage

There two types of coverage normally offered and purchased:
Collision Coverage – pays for damages to your truck caused in a motor vehicle accident (regardless of fault).
Comprehensive Coverage – pays for damages to your vehicle caused by other than collision incidents, such as fire, vandalism, falling objects and theft.

When you purchase physical damage coverage, carefully consider your vehicle’s condition and research its market value, so our agents can help you purchase proper limits of coverage.

Operating under your own authority

If you are operating under your own authority (you have a DOT number), you will need a combination of the following coverages:

Commercial Auto Liability

This is a required coverage that pays for injuries and damages caused by your negligence. Such as for repairs to another vehicle or pain and suffering pay out to a pedestrian or driver of another vehicle. If you are For-Hire trucker, majority of shippers will require you to carry limits of $1,000,000. Liability insurance is required for insurance companies to complete your Federal, State and Local fillings.

Motor Truck Cargo

Commonly referred to as cargo, this coverage provides protection to the freight or commodities hauled in your truck if it was damaged due to a motor vehicle accident or natural disaster. Majority of shippers will require you to purchase minimum limits of $100,000. Many insurers have strict policy conditions, therefore, please make sure to discuss your operations and commodities hauled with our agent to secure proper coverage.

Trailer Interchange

Is a type of Physical Damage coverage usually purchased by truckers hauling trailers under the Trailer Interchange Agreement. This coverage only applies when a trailer is attached to the insured truck and there is a written trailer interchange agreement.

General Liability

It protects you from injuries and property damages caused to other parties due to activities not directly related to operating the truck. Such as customer’s slip and fall incidents at your facilities or negligent acts of your driver when in scope of your operations (other than motor vehicle accident).

Underinsured Motorist

This coverage pays you for injuries sustained in a motor vehicle accident caused by negligence of underinsured party. Underinsured party is someone who has auto liability limits that are lower than the value of your claim.

Uninsured Motorist

This coverage pays you for injuries sustained in a motor vehicle accident caused by negligence of uninsured party.

Medical Expenses

Depending on state, this coverage may cover your and/or pedestrian’s medical expenses incurred due to motor vehicle accident.

Our Latest Success Stories:

February 2025

STATE CLIENT’S CASE PRICE PER TRUCK
Ohio Cargo Van General Freight – Auto Liability, Cargo, Physical Damage $5,000
Pennsylvania General Freight – General Liability, Auto Liability, Cargo, Trailer Interchange $12,600
Pennsylvania Auto Hauler – Auto Liability, Cargo Liability, Physical Damage $10,100
California General Freight – Non-Trucking Liability, Physical Damage $2,700
Ohio General Freight – General Liability, Cargo, Trailer Interchange $2,950
New Jersey Cargo Van General Freight – Auto Liability, Cargo, Physical Damage $9,200
Pennsylvania General Freight – Auto Liability $8,400
Ohio General Freight – Auto Liability, Cargo Liability, Physical Damage $10,800
Pennsylvania Auto Hauler – Auto Liability, Cargo Liability, Physical Damage $14,800
New Jersey General Freight – Non-Trucking Liability, Physical Damage $1,700
Pennsylvania Auto Hauler – Physical Damage $1,500

January 2025

STATE CLIENT’S CASE PRICE PER TRUCK
Maryland General Freight – Non-Trucking Liability, Physical Damage $2,800
Pennsylvania General Freight – General Liability, Auto Liability, Cargo, Trailer Interchange $13,000
Pennsylvania Auto Hauler – Auto Liability, Cargo Liability, Physical Damage $10,700
Ohio Cargo Van General Freight – Auto Liability $5,200
New Jersey Reefer – Physical Damage $1,400
Pennsylvania General Freight – Non-Trucking Liability, Physical Damage $14,350
New Jersey General Freight – General Liability, Cargo, Trailer Interchange, Physical Damage $8,300
Florida General Freight – Non-Trucking Liability, Physical Damage $1,900
Pennsylvania General Freight – Auto Liability, Cargo, Physical Damage $15,800
Illinois Reefer – Auto Liability, Cargo Liability $10,000
Florida General Freight – Non-Trucking Liability, Physical Damage $1,900

December 2024

STATE CLIENT’S CASE PRICE PER TRUCK
Pennsylvania Reefer – General Liability, Auto Liability, Cargo, Physical Damage $18,400
Texas General Freight – Non-Trucking Liability, Physical Damage $1,800
Pennsylvania Limousine Service – Auto Liability, Physical Damage $5,800
Ohio Expediter – Auto Liability, Cargo $2,500
North Carolina Dry Van/UIIA – Auto Liability, Cargo Liability, Physical Damage $9,000
Kentucky General Freight – Non-Trucking Liability, Physical Damage $2,100
Maryland General Freight – Auto Liability, Cargo, Physical Damage $2,000
Pennsylvania General Freight – Auto Liability, Cargo, Physical Damage $11,100
South Carolina Reefer – Auto Liability, Cargo, Physical Damage $13,800
Pennsylvania General Freight – Cargo $950
Pennsylvania General Freight – Auto Liability $13,200

November 2024

STATE CLIENT’S CASE PRICE PER TRUCK
Virginia General Freight, Non-Trucking Liability, Physical Damage $3,500
Ohio Dry Van, Auto Liability $16,600
Pennsylvania General Freight, Cargo Liability, Trailer Interchange, General Liability $3,000
Pennsylvania Dry Van, Auto Liability, Physical Damage $16,000
Kentucky Dry Van, Non-Trucking Liability, Physical Damage $3,300
Pennsylvania General Freight, Non-Trucking Liability, Physical Damage $3,000
Ohio Dry Van, Physical Damage, Cargo Liability, Trailer Interchange, General Liability $8,000
Pennsylvania Building Materials, Non-Trucking Liability, Physical Damage $2,800
New Jersey Dry Van, Non-Trucking Liability, Physical Damage $1,500
Ohio Auto Hauler, Auto Liability, Cargo Liability $9,100
Pennsylvania General Freight, Cargo Liability $700

October 2024

STATE CLIENT’S CASE PRICE PER TRUCK
Florida Reefer Produce, Cargo, Physical Damage $2,900
Ohio General Freight, Cargo, Physical Damage $2,200
Pennsylvania Amazon, Cargo, Trailer Interchange, General Liability $3,000
Pennsylvania General Freight, Non Trucking Liability, Physical Damage $2,400
Illinois Physical Damage $2,700
New Jersey Motor Vehicles, Auto Liability (Tractors and Pick Ups) $15,000
North Carolina Dry Van, Auto Liability, Cargo, General Liability $11,400
Pennsylvania General Freight, Auto Liability $13,800
New Jersey General Freight, Auto Liability, Cargo, Trailer Interchange, GL, Physical Damage $18,700
Pennsylvania Dry Van, General Liability $600
Pennsylvania Autos, Pickup, Auto Liability $6,400

September 2024

STATE CLIENT’S CASE PRICE PER TRUCK
Pennsylvania Dry Van, Auto Liability $10,900
Kentucky General Freight, Non Trucking Liability, Physical Damage $1,900
Pennsylvania Auto Hauler, Auto Liability $14,900
Illinois Dry Van, Auto Liability $11,000
Pennsylvania Auto Hauler, Auto Liability $7,800
Ohio General Freight, Auto Liability, Cargo, Physical Damagae $11,900
Illinois Dry Van, Cargo, Trailer Interchange, General Liability $2,300
Maryland Dry Van, Auto Liability, Cargo, Trailer Interchange, General Liability $12,300
Texas Tractor Physical Damage $1,700
New Jersey General Freight, Non Trucking Liability $500
Florida General Freight, Non Trucking Liability, Physical Damage $3,800

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Office

250 Street Rd, Warminster, PA 18974

Contact

Quotes and New Business — sales@giasure.com
Certificates of insurance — coi@giasure.com
Policy Service — info@giasure.com
Claims reporting — claims@giasure.com

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