Trucking insurance is a specialized package of coverages designed for commercial motor carriers. Unlike standard auto policies, trucking insurance accounts for the unique risks of hauling freight — from cargo liability to regulatory compliance. As an independent agency, Nova Coverage shops dozens of carriers to build a policy that fits your operation, whether you're an owner-operator or managing a fleet of 100+.
Every policy is different. Here are the key coverages available for trucking insurance — we'll customize a package that fits your specific needs.
Covers bodily injury and property damage to others. FMCSA requires $750K–$5M depending on cargo type.
Comprehensive and collision coverage for your trucks and trailers — protecting your biggest assets.
Covers the freight you haul if it's damaged, lost, or stolen in transit.
Medical and disability benefits for owner-operators who don't qualify for workers comp.
Covers medical expenses and lost wages for employees injured on the job — required in most states.
Protects your business from third-party claims unrelated to driving — like slip-and-fall at your yard.
If you operate any commercial truck — from a single semi to a fleet of hundreds — you need trucking insurance. Federal and state regulations require minimum coverage levels, and your contracts likely demand even more. Nova Coverage helps you meet every requirement without overpaying.
See What You Can SaveFill out the form and a Nova Coverage agent will shop 50+ carriers to find you the best trucking insurance rate — usually within 24 hours.
We're not locked into one carrier. As an independent agency, we represent 50+ top-rated insurance companies — so we shop the market to find you the best coverage at the best price.
Costs vary widely based on fleet size, driving records, cargo type, and radius. Owner-operators typically pay $8,000–$15,000/year, while fleets see per-truck costs decrease with volume. We shop 50+ carriers to find the best rate for your operation.
Primary liability covers accidents involving your trucks on the road (bodily injury and property damage). General liability covers non-driving incidents like someone getting hurt at your business location.
If you haul freight for others, cargo insurance is typically required by your broker contracts and often by FMCSA regulations. It protects the goods you're transporting if they're damaged or lost.
Yes. While new ventures can be harder to place, our access to 50+ carriers means we can find options even for brand-new authorities. Rates improve as you build a clean safety record.
The FMCSA requires all for-hire interstate motor carriers to carry a minimum of $750,000 in primary liability insurance — and $1M or even $5M if you haul hazardous materials or passengers. You must also file a BMC-91 or BMC-34 form as proof of insurance. We handle all the filings for you.
Most quotes are delivered same day or within 24 hours. Fill out our online form with your DOT number and basic info, and a Nova Coverage agent will shop 50+ carriers and get back to you with your best options fast.
An insurance lapse is serious — the FMCSA can revoke your operating authority, brokers will stop booking you loads, and you'll face higher premiums when you reinstate. If your policy is about to lapse, call us immediately and we can often get same-day coverage to keep you on the road.
Yes. We understand cash flow is critical in trucking. Most of our carriers offer monthly payment plans with low down payments so you can get covered without a huge upfront cost. Ask your agent about flexible payment options.
The MCS-90 is a federally required endorsement on your insurance policy that guarantees the public will be compensated in an accident, even if the specific incident isn't covered by your policy terms. It's automatically included on all for-hire interstate policies — we make sure your filing is compliant.
Let Nova Coverage shop 50+ carriers for your best rate. It's free, fast, and no obligation.
Have any Question? Ask us anything, we’d love to answer!
Nova Coverage LLC is a women-owned independent insurance agency serving families and businesses across 19+ states. We protect what matters most.
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