Flatbed Truck Insurance for Heavy and Specialized Loads
Coverage designed for open-deck operators—built to handle unique cargo risks and everyday challenges.
Flatbed haulers move the freight others can’t—from machinery and lumber to oversized loads and construction materials. GIA Group, LLC provides tailored flatbed truck insurance that protects your equipment, cargo, and operation, whether you run one truck or manage a growing fleet.
Coverage
Coverage Type | What it does |
|---|---|
Auto Liability | Required for all for-hire truckers |
Physical Damage | Covers your tractor and trailer in case of accidents, theft, fire, or vandalism |
Motor Truck Cargo (Open Load Coverage) | Protection for exposed freight, including tie-down and tarp failure claims |
General Liability | Covers off-road business risks such as job site incidents |
Loading/Unloading Coverage | Optional protection during freight handling |
Trailer Interchange | If you haul trailers you don’t own |
Occupational Accident | Available for owner-operators not covered by workers’ comp |
Excess Liability / Umbrella | Optional for larger contracts or high-value cargo requirements |
Quote
What you’ll need for a quote
Getting a quote is fast and straightforward. You’ll need:
CDL and DOT/MC number (if available)
Truck and trailer details (VIN, year, make, model)
Type of cargo (machinery, lumber, etc.)
Operating radius and routes
Current insurance details (if renewing or replacing)
Success Stories
Insurance wins on the road
We insure flatbed drivers across industries like construction, agriculture, and equipment delivery. Whether you haul regionally or coast-to-coast, we build coverage that fits your cargo and routes.
Please note
Every trucking operation is different, and so are insurance premiums. At GIA Group, we work hard to find the best possible rates and coverage for each client. These stories highlight results we’re proud of, though individual outcomes may vary.
Cost explanation
What does flatbed insurance cost?
Costs vary based on location, type of freight, driving history, and experience.
On average, flatbed truck insurance ranges from $9,000 to $16,000 per truck per year. Higher-risk cargo or oversized operations may increase the rate.
These are estimates only—fill out our quick contact form to get started. We help you find the most competitive pricing and coverage, without sacrificing protection.
