Truck Insurance | Commercial Truck & Fleet Coverage | First Underwriters
Commercial truck insurance · Independent since 1992

Truck Insurance.

Keep your trucks rolling with coverage built for the road. From owner-operators to large fleets, we place motor-carrier programs — liability, physical damage, cargo, and the FMCSA filings that keep your authority active — at fair rates with expert claims support.

Primary LiabilityPhysical DamageMotor Truck CargoBobtailFMCSA Filings

FMCSA filing experts · Same-day certificates · Owner-operators to 50+ truck fleets

Across three common trucking claims, the combined exposure without proper coverage reaches
$4.6M
A jackknife pileup, a stolen rig, a hazmat spill — any one can run into the millions. The right motor-carrier program is what stands between that and your business.
  • MCS-90, BMC-91 & Form E filings handled — often same day
  • New-authority & tough-CSA-score markets others can't reach

Not sure what you need? Build your coverage below →

🚛 34+ years insuring truckers 📋 FMCSA filing experts 🛣️ Owner-operators to fleets

The trucking industry faces risks that standard auto policies simply don't cover. FMCSA rules, cargo claims, and multi-state travel all require special attention — so you need a motor-carrier partner who knows the business inside and out.

First Underwriters has served Pacific Northwest trucking firms for over three decades. Whether you own one rig or run a fleet of 50+ trucks, we build full commercial-truck programs at fair rates and stay current with every FMCSA change so your coverage stays compliant. For more on trucking rules, visit the Federal Motor Carrier Safety Administration.

The real risks on the road

One bad mile can cost millions.

Illustrative examples of how a single trucking loss adds up — and the coverage that stands between it and your business. Click through each.

The claim

    Estimated total exposure
    $0
    🛡️ The coverage that responds

    $1M+required liability limits for most interstate carriers
    ~500Klarge-truck crashes each year in the U.S.
    ~$91Kaverage cost of a trucking-crash injury claim
    ~30%of cargo theft happens at truck stops & rest areas
    Coverage Builder

    Build the right program for your operation.

    Tell us what you haul and how you run, and we'll assemble the motor-carrier coverages that typically apply — a starting point for your quote, no contact info required.

    Your trucking operation

    Every motor carrier starts with a liability, physical-damage, cargo, and general-liability core.

    Coverages to consider
    7
    recommended for your operation
      A starting point, not a bound quote — request a tailored quote →
      Coverage for every operation

      Built for how you run.

      We place specialized trucking coverage for every type of motor-carrier operation.

      📦

      General Freight

      Long-haul and local dry-van runs hauling common goods.

      ❄️

      Reefer

      Temperature-controlled loads — food, produce, and pharma.

      🏗️

      Flatbed & Heavy Haul

      Building supplies, machinery, and oversized loads.

      Tanker

      Fuel, chemicals, and liquid-bulk hauling.

      🚚

      Local & Regional

      Short-haul delivery and LTL with flexible options.

      🚗

      Auto Hauler

      Vehicle transport and car-carrier operations.

      🏠

      Moving Company

      Household goods and furniture transport.

      🪵

      Logging

      Timber hauling and forestry-equipment transport.

      Complete trucking coverage

      Every policy a motor carrier may need.

      Filter by type or search to see the full range of coverage we place for truckers.

      Why truckers choose First Underwriters

      Specialists who speak trucking.

      📋

      FMCSA filing experts

      We handle your MCS-90, BMC-91, and Form E filings to keep your authority active — often same day — and stay current with every FMCSA change so your program stays compliant.

      🚦

      New authority & CSA-score help

      Starting your own company or fighting tough safety scores? We work with carriers who write new authorities and look beyond the CSA numbers — and help you build a coverage history. Learn more about industry safety standards.

      Fast certificates & 24/7 claims

      Need proof of coverage for a broker or shipper? We issue same-day certificates. And because crashes don't wait for business hours, our claims advocacy is ready around the clock to get you rolling again.

      34+years insuring truckers
      15+specialist trucking markets
      Same-daycertificates & FMCSA filings

      Get your truck insurance quote today.

      Fair commercial-truck coverage rates for owner-operators and fleets, with the FMCSA filing and claims support that keep you rolling. Let's build the right program together.

      Or email us at info@firstunderwriters.com

      Descriptions are general summaries for education and are not a statement of coverage, an offer, or a binder, and the coverage builder is a starting point for discussion rather than a quote or coverage determination. The scenarios, cost breakdowns, and industry statistics shown are illustrative or general references, not guarantees or representations about specific companies; actual coverage, limits, and eligibility are governed solely by the terms, conditions, and exclusions of your issued policies and are subject to underwriting and FMCSA requirements. First Underwriters Insurance Brokers · Kirkland, WA · (425) 242-5357.