Trucking Insurance

Protecting your business on the open road

If your company operates commercial trucks, a standard auto policy usually is not enough. Commercial trucking insurance is built for heavier vehicles, higher severity claims, and the cargo you haul.

Broader risks, broader coverage

Trucks can cause more damage in a collision, which means higher potential medical and property costs. You also need protection for cargo loss or damage, downtime, and the contractual requirements shippers and brokers impose.

Coverage shaped by how you operate

Underwriting looks at who drives your trucks, what you haul, how far you travel, and whether you cross state lines. Owner-operators, private fleets, and carriers under lease agreements each have different coverage needs—including bobtail, non-trucking liability, and motor truck cargo.

Meeting contract and filing requirements

Your policy may need to support government filings and certificate requests that prove limits meet shipper or regulatory standards. Discounts are sometimes available for experienced CDL drivers and established operations.

We help you align liability, cargo, and physical damage with your authority and contracts. Request a trucking insurance quote to review options.

Frequently Asked Questions

What types of trucking insurance are available in Illinois?
Motor carriers may need primary liability, physical damage, cargo, bobtail, and non-trucking liability depending on authority, leases, and contracts. Owner-operators and private fleets have different coverage needs.
How do FMCSA and Illinois requirements affect coverage?
Interstate and intrastate operations face filing and limit requirements that vary by cargo, radius, and authority. We help align policies with contracts and regulatory filings.
What is bobtail or non-trucking liability coverage?
These coverages address gaps when a truck is driven without a trailer or for personal use under lease agreements. Without the right endorsement, a driver may be uninsured during common scenarios.
Can you provide certificates for brokers and shippers?
Most active clients receive ACORD certificates the same business day. We know Chicagoland logistics contracts often specify cargo, auto, and GL limits.
Why use an independent agency for Trucking Insurance?
As an independent agency in Roselle, we compare Trucking Insurance options from multiple carriers instead of a single company menu. That helps Illinois clients find coverage that fits their risks, contracts, and budget—with local follow-up when questions or claims come up.

Ready for a Quote?

Speak with a local advisor who understands your coverage needs.

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Contact Hausman-Kunkel Insurance

As an independent agency, we are here to help you find the right coverage.

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