Tractor-trailer Insurance
Smart, contract-ready coverage for tractor-trailers.
Comprehensive coverage for fleets and owner-operators running Class 7–8 power units with 53' trailers. GIA Group, LLC builds policies around the way trucking actually operates—multi-state lanes, time-sensitive freight, and strict shipper/broker requirements.
Coverage
Coverage type | Why it matters |
|---|---|
Auto Liability (Primary) | Meets FMCSA filing requirements; includes bodily injury and property damage from covered accidents. |
Physical Damage | Collision and comprehensive on tractors and trailers; options for gap, stated amount, and towing/labor. |
Motor Truck Cargo | Protects covered commodities against theft, collision, fire, and related causes; reefer breakdown options available. |
General Liability (Trucking GL) | Premises/operations exposures (yard, loading, customer locations). |
Non-Trucking Liability (NTL) / Bobtail | Liability when the tractor is operated off-dispatch under a lease. |
Trailer Interchange | For non-owned trailers moved under a written interchange agreement. |
Hired & Non-Owned Auto | Liability for rented vehicles and certain employee use. |
Excess / Umbrella Liability | Additional limits for high-value contracts and major shippers. |
Workers’ Compensation / Employers Liability | For company drivers and staff. |
Occupational Accident | Alternative protection often used for leased-on O/Os. |
Roadside Assistance & Downtime (optional) | Rental reimbursement, towing, and loss of use. |
Quote
What’s needed to start a quote
We may ask for:
DOT/MC numbers (if applicable), FEIN, and business details
Driver list with experience and MVR history
Equipment schedule (VINs, values, garaging), including owned and non-owned trailers
Commodities, lanes, and annual mileage
Current/expiring policies and 3–5 years of loss runs (if available)
Shipper/broker contract requirements (limits, forms, and wording)
Success Stories
Insurance wins on the road
From first-time owner-operators to growing fleets, GIA Group, LLC has helped trucking businesses across the U.S. secure the coverage they need to stay compliant, protected, and on the move. Every policy we write supports a real trucker’s journey—and we're proud to share a few of their wins.
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
How much does Tractor-trailer Insurance cost?
Tractor-trailer insurance typically ranges from about $12,000–$28,000 per unit annually for established operations, and $16,000–$38,000 for new ventures. Line items often break down as $9,000–$22,000 for auto liability, ~3.5%–6% of equipment value for physical damage, and $1,200–$4,500 for a $100k cargo limit.
Pricing depends on lanes, commodities, driver records, loss history, equipment values, and safety controls (ELDs/cameras, secure parking). These are estimates only—fill out our quick contact form to get started.
