Commercial Trucking Coverage Options
Primary Liability
The foundation of any trucking policy, protecting your business against bodily injury and property damage for which you are legally responsible.
Physical Damage
Coverage for your equipment in the event of a collision, theft, or vandalism, ensuring you can get back on the road quickly.
Motor Truck Cargo
Protects the goods you haul. We customize cargo limits based on your typical freight values and industry requirements.
Non-Trucking Liability
Provides liability coverage for owner-operators when the truck is being used for personal purposes outside of dispatch.
Trucking General Liability
Covers off-road liabilities such as loading dock errors, premises liability, and advertising injury issues.
Trailer Interchange
Essential for carriers who pull non-owned trailers under an interchange agreement, covering physical damage while in your possession.
Trucking Specialists You Can Trust
Personalized Fleet Insurance Strategies
Comprehensive Cargo & Liability Limits
24/7 Roadside Assistance Coordination
Trucking Insurance FAQ
What are the required insurance coverages for interstate trucking fleets?
Interstate carriers must maintain Primary Liability insurance with limits compliant with FMCSA regulations (typically $750,000 to $1,000,000). Additionally, brokers and shippers usually mandate Motor Truck Cargo and Physical Damage insurance to protect both the freight and the fleet equipment.
How does my fleet’s safety record influence my insurance premiums?
Insurance providers closely monitor your MVR entries and CSA scores. A consistent history of safety compliance and a clean driving record across your fleet demonstrate lower risk, enabling Blue Peak to negotiate more competitive rates with top-tier insurance carriers.
Do you provide specialized cargo insurance for high-value or hazmat loads?
Yes. We offer tailored Motor Truck Cargo policies design for specific freight needs, including high-value electronics, refrigerated goods, and hazardous materials. We work with you to ensure coverage limits match your specific shipping contracts and operational risks.
Can Blue Peak assist owner-operators with their initial DOT authority?
Absolutely. We specialize in helping new ventures navigate the regulatory landscape. Our team guides you through securing the mandatory insurance filings (BMC-91X) required by the FMCSA to activate your motor carrier authority and start hauling.
Comprehensive Coverage Options
We offer specialized trucking insurance programs designed to protect your fleet, your cargo, and your livelihood with precision and care.
Primary Liability
Essential coverage protecting against injuries or property damage caused to others while operating your trucking equipment.
Physical Damage
Comprehensive and collision coverage to repair or replace your equipment in the event of accidents, theft, or fire.
Motor Truck Cargo
Protects the value of the freight you carry, ensuring you are covered for loss or damage to commodities in transit.
Non-Trucking Liability
Specialized bobtail coverage for owner-operators who use their tractors for non-business purposes while off-duty.
Specialized Industry Knowledge
Our agents understand ELD mandates, FMCSA safety scores, and the unique risks facing Peoria's owner-operators and fleets.
We combine deep industry expertise with agile service to keep your drivers on the road and your business compliant.
Why Choose Blue Peak for Your Trucking Fleet?
Rapid Federal & State Filings
We handle filings immediately so your trucks stay compliant and your authority remains active
Dedicated Claims Advocacy
When an accident occurs, our advocates work aggressively with adjusters to minimize downtime and protect your bottom line.
Freight & Fleet: Commercial Trucking FAQs
What is Primary Liability insurance?
This mandatory coverage protects you from financial loss if your truck causes injury or damage to others. It is required by law for all trucking operations under federal authority.
When is Motor Truck Cargo insurance necessary?
If you're hauling goods for others, cargo insurance protects the value of the freight in your care, custody, and control against theft, fire, or accidental damage during transit.
What does Physical Damage coverage include?
It covers repair or replacement costs for your vehicle in the event of accidents, theft, or natural disasters. This typically includes both Collision and Comprehensive protection policies.
How can I lower my trucking insurance premiums?
Maintaining a clean driving record (MVR), investing in safety technology like ELDs, and implementing a formal safety program are the most effective ways to secure lower rates from carriers.