Trucking / Transportation Insurance
At Jump Insurance Services, we understand that every mile you drive carries risk – and every rig you own is your livelihood. That’s why we work closely with our sister company, Jump Trucking Insurance, to provide specialized commercial trucking insurance coverage for owner-operators, small fleets, and large fleets across the United States.
Coverage Options for Trucking & Transportation Businesses
Core Coverages
Commercial Auto Liability – Covers third-party injuries and property damage from your truck operations. This is the foundation of every trucking insurance program and is required for FMCSA operating authority.
Motor Truck Cargo – Protects freight while in your care, custody, or control. Coverage can be tailored to the commodities you haul, including reefer breakdown for temperature-sensitive goods.
Physical Damage (Comp & Collision) – Covers your tractor and trailer for collision, theft, vandalism, fire, weather, and other covered losses. This protects your equipment investment whether you own, finance, or lease your units.
General Liability (Trucking GL) – Covers certain non-auto business exposures including premises/operations and loading/unloading, often required by contracts.
Non-Trucking Liability (NTL) – Liability coverage for certain operations when an owner-operator is not under dispatch. This typically applies to leased-on drivers when they’re using the truck for personal use.
Trailer Interchange – Covers non-owned trailers you’re using under a written trailer interchange agreement. Essential for operations involving drop-and-hook freight or rail yards.
Hired & Non-Owned Auto (HNOA) – Liability for vehicles you hire or employee-owned vehicles used for business. Fills a major coverage gap when an accident occurs in a non-company vehicle.
Workers’ Compensation – Statutory coverage for employee injuries; multi-state options available. Ensures compliance with state law and protects your business from injury-related lawsuits.
Occupational Accident (Occ/Acc) – Alternative protection for qualifying independent contractors. Provides accidental medical, disability, and death benefits for owner-operators.
Property & Operations Coverages
Garagekeepers Legal Liability – Covers customer vehicles in your care (e.g., yard, service, or storage operations).
Inland Marine / Contractors Equipment – Covers mobile equipment, tools, and certain scheduled property. Ideal for fleets handling load-securement gear, forklifts, and heavy-duty equipment.
Cyber Liability – Responds to cyber events such as ransomware, data breaches, and network interruptions. Increasingly important for ELD/telematics-heavy fleets.
Umbrella/Excess Liability – Adds higher limits over auto liability/GL to meet shipper and contract requirements. Common for large fleets, hazmat haulers, and high-value cargo carriers.
Why Choose Jump Insurance for Trucking Coverage?
- Trucking Experts – We focus on trucking, giving you access to carriers and programs designed for commercial transportation.
- Faster Quotes – Get multiple carrier options quickly, so you can get back on the road.
- Claims Support – Direct access to our claims team means faster resolutions when you need it most.
- Nationwide Coverage – Coverage options for drivers and fleets across the U.S.
- Real Savings – We help truckers lower costs without cutting corners on protection.
Whether you’re a new venture just getting started, running a small fleet of 2-10 trucks, or managing a large operation with 10+ vehicles, Jump Insurance has the trucking coverage solutions to keep your business protected and moving forward.
Visit Jump Trucking Insurance for specialized trucking coverage or contact us today to get a quote.