Commercial Auto · Cargo · Liability

Trucking Insurance for Businesses in All 50 States

Specialized coverage for owner-operators, fleets, and freight carriers operating nationwide.

What's Covered

Coverages Included

  • Primary Commercial Auto Liability
  • Motor Truck Cargo
  • Physical Damage (Collision & Comprehensive)
  • Bobtail / Non-Trucking Liability
  • General Liability for Trucking Operations
  • Excess / Umbrella Coverage
  • Workers' Compensation for Drivers
  • Owner-Operator & Leased Driver Coverage

Commercial Insurance Review

Request a Commercial Insurance Review

We’ll learn about your operations and discuss coverage options available for your business.

Who This Is For

Who This Is For

From owner-operators to growing fleets, we structure trucking insurance for the way freight actually moves nationwide.

Owner-Operators

Leased and independent operators who need their own primary liability, cargo, and physical damage coverage.

Small & Mid Fleets

Motor carriers running regional and local routes across the country.

Long-Haul (OTR)

Interstate operations requiring federal filings and broader liability limits.

Specialty & Reefer

Flatbed, refrigerated, hazmat, and heavy-haul operations with cargo-specific exposures.

Local & Dump

Dump trucks, heavy equipment hauling, and local delivery with shorter cycles.

Tow & Wrecker

Tow trucks and wreckers with on-hook and garagekeepers exposure.

Trucking Classes We Cover

Operations We Insure

Long-Haul Trucking (OTR)
Regional & Local Hauling
Flatbed & Specialty Loads
Refrigerated (Reefer) Transport
Hazmat Transport
Dump Trucks & Heavy Equipment
Tow Trucks & Wreckers
Owner-Operators & Small Fleets

Frequently Asked Questions

Common Questions, Answered

Do owner-operators need their own trucking insurance?
Yes. Owner-operators are typically responsible for their own primary liability, cargo, and physical damage coverage, even when leased to a motor carrier. We help owner-operators structure the right program based on their operating agreement.
What filings do I need for interstate trucking?
Interstate operations generally require federal filings such as ICC/MC authority and proof of coverage. We help you understand which filings apply to your operation and coordinate with your carrier.
Is cargo coverage required?
Cargo coverage is often required by shipper contracts and broker agreements. The limit you need depends on the commodities you haul; we help match coverage to your freight.
Do I need workers’ compensation for my drivers?
In most cases yes. Requirements vary by state and whether drivers are employees or independent contractors. We confirm the requirement for your state and structure coverage accordingly.

Why Choose Us

Most People Choose WCFL Insurance Services

Customized for Your Needs

We customize each insurance policy to fit your specific needs. Your advisor will collaborate with various insurance companies on your behalf, seeking the best policy for you.

Transparent & Flexible

We will review the policies with you and clarify all the details of your chosen policy. Our goal is to offer you the best service and transparency when you sign up with us.

Expert Advisors by Your Side

Our advisors will always be available to ensure you get the insurance policy you need at a price you can afford.

Ready to Place a Risk?

Our team is standing by to help you find the right coverage. Submit your information and request a commercial insurance review from WCFL Insurance Services.

Licensed Insurance Agency · Serving Businesses Nationwide