Truck insurance built for the road
From owner-operators to fleets of 50+ trucks, we place motor-carrier programs — liability, physical damage, cargo and the FMCSA filings that keep your authority active — with claims support when you need it.
FMCSA filings · Same-day certificates · Owner-operators to 50+ truck fleets
Trucking carries risks a standard auto policy doesn't address: FMCSA rules, cargo claims and multi-state travel all need specific attention. First Underwriters has served Pacific Northwest trucking companies for more than three decades. Whether you run one rig or a fleet, we build commercial-truck programs at fair rates and track FMCSA changes so your coverage stays compliant. For more on trucking rules, visit the Federal Motor Carrier Safety Administration.
How one bad mile becomes a claim
Three illustrative examples of how a single trucking loss adds up, and the coverage that responds to each.
A jackknife pileup on wet I-5
A semi jackknifes on I-5 in wet weather and four cars collide. Three people are seriously injured and the cargo is ruined — a claim that can overwhelm a small fleet without proper coverage.
- Injury claims$1,950,000
- Vehicle damage$285,000
- Cargo loss$420,000
- Legal fees$195,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your operation
Tell us what you haul and how you run, and we'll show the motor-carrier coverages that typically apply. Every carrier starts with a liability, physical damage, cargo and general liability core. No contact details needed.
Your operation
Select everything that applies.
Coverage that typically applies
7 coverages — a starting point for a conversation, not a quote.
- Primary Trucking LiabilityFMCSA-required injury and property-damage protection.
- Truck Physical DamageComp and collision for tractors, trailers and gear.
- Motor Truck CargoProtects the freight you haul.
- Trucking General LiabilityPremises and operations liability off the road.
- Uninsured MotoristProtects you against under-insured drivers.
- Truck DowntimeReplaces lost income during a covered repair.
- Trucking Workers' CompRequired for W-2 employee drivers.
Built for how you run
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.
Every policy a motor carrier may need
Filter by type or search to see the full range of coverage we place for truckers.
Primary Trucking Liability
FMCSA-required coverage for injuries and property damage, with limits from $750,000 to $5 million and above based on cargo type and rules.
Trucking General Liability
Premises, completed-operations and injury protection for your trucking business off the road.
Uninsured Motorist Protection
Protects you when hit by a driver without enough insurance, covering your injuries and truck damage.
Trucking Pollution Liability
Cleanup costs, third-party claims and fines from hazmat or fuel spills.
Truck Physical Damage
Comprehensive and collision for tractors, trailers and attached gear, on an actual-cash-value or stated-amount basis.
Motor Truck Cargo
The freight you haul against theft, crash damage, fire and other perils, at limits set to your cargo value.
Reefer Breakdown
Cold-cargo spoilage caused by refrigeration-unit failure, essential for reefer operations.
Truck Downtime
Replaces lost income when your truck is out of service after a covered claim, keeping cash flowing during repairs.
Bobtail Truck Insurance
Protection when running without a trailer or for personal use, essential for owner-operators leased to carriers.
Trailer Interchange
Physical damage for trailers you don't own but operate under a trailer-interchange agreement.
Trucking Workers' Compensation
Required coverage for employee drivers: medical costs, lost wages and rehabilitation for work injuries.
Occupational Accident
An alternative for owner-operators and contractors not eligible for standard workers' compensation.
Specialists who speak trucking
FMCSA filings
We handle MCS-90, BMC-91 and Form E filings to keep your authority active, often the same day, and track FMCSA changes so your program stays compliant.
New authority and CSA scores
Starting your own company or working through tough safety scores? We work with carriers that write new authorities and look beyond the CSA numbers, and help you build a coverage history.
Fast certificates and claims
Same-day certificates for brokers and shippers, and round-the-clock claims advocacy to get you rolling again after a crash.
Get your truck insurance quote
Coverage for owner-operators and fleets, with the FMCSA filing and claims support that keep you rolling. Prefer email? Write to info@firstunderwriters.com.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder; the coverage builder is a starting point for discussion, not a quote or coverage determination. Scenarios, cost breakdowns and industry statistics are illustrative or general references, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting and FMCSA requirements.