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.
Pennsylvania
February 2026
Auto Hauler - Auto Liability, Cargo Liability, Physical Damage.
Price per truck
$9,700
California
February 2026
General Freight - Non-Trucking Liability, Physical Damage.
Price per truck
$4,100
Illinois
February 2026
Reefer - General Liability, Auto Liability, Cargo Liability, Physical Damage, Non-Owned Trailer Physical Damage.
Price per truck
$13,700
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.
Our advantages
Same-day COIs and quick policy updates
Coverage that meets
FMCSA, shipper, and load board requirements
Custom endorsements for high-value or oversized loads
Flexible coverage
for leased, owned, or financed equipment
Blog
Insights for every truck in your fleet
Explore the GIA Group, LLC blog for real-world tips on insuring semis, box trucks, dump trucks, tow trucks, and more. See how coverage and safety practices translate into better protection for every vehicle you run.
Mar 12, 2026
Fleet operations
Reefer Breakdown Coverage: Why It’s a Must for Refrigerated Freight
How reefer breakdown coverage helps carriers manage cargo loss when cooling systems fail.
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Feb 26, 2026
Fleet operations
Semi-Truck Insurance Cost: Monthly Breakdown and Key Factors
Understand semi-truck insurance cost and how monthly premiums are set.
Read more
Feb 13, 2026
Fleet operations
Semi Truck Insurance Coverage: Costs, Compliance, Strategy
Semi truck insurance coverage: costs, compliance, and key protections explained.
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Feb 5, 2026
Fleet operations
Truck Loading Safety Best Practices & Insurance Impact
Explore best practices for truck loading safety, it may lower risk and operational costs.
Read more
