Smart, contract-ready commercial truck insurance for tractor-trailers.
Comprehensive coverage for commercial vehicles 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 options | Why it matters |
|---|---|
Auto Liability (Primary) | Meets FMCSA filing requirements; includes bodily injury and property damage from covered accidents. |
Physical Damage Coverage | 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
Get a quote for Semi-Truck and Trailer Insurance
What we need from you to start:
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 companies across the U.S. protect their business and stay compliant. 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.
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
How much does Semi-Truck and Trailer Insurance cost?
Semi-truck and trailer insurance typically costs 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.
Our advantages
Market access
multiple A-rated trucking insurers and specialty MGAs
Contract-ready documents
fast, clean COIs with shipper language
20+ years of experience
and agents who know trucking insurance from the inside
Coverage design
policies mapped to real operations (dispatch status, trailer ownership, interchange agreements)
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
