The 8 best commercial truck insurance companies for your business
With plenty of risk on the road, having the right coverage is crucial to maintaining smooth operations. The best trucking insurance companies offer policies specifically designed to protect commercial vehicles, whether you’re driving a semi-truck or managing a whole fleet.
Commercial truck insurance goes beyond basic coverage, addressing the unique challenges of the industry. It helps cover repair costs, liability claims, and other financial risks that come with hauling loads. In this guide, we’ll highlight some of the top commercial truck insurance companies, making it easier for you to choose the right partner to protect your business and stay ahead of potential roadblocks.
The best commercial truck insurance companies
Finding the best insurance options for your business is vital to keeping your company running, but it shouldn’t be a hassle. Partnering with trucking insurance companies should give carriers peace of mind as they run their day-to-day operations.
If you’re a carrier or owner-operator looking for the best trucking insurance, DAT has rounded up our top options for you! Here are our top 8 picks for the best commercial truck insurance companies:
- Marquee Insurance Group (MIG)
- Cottingham & Butler
- 1st Guard
- RLI Insurance
- Great West Casualty
- Reliance Partners
- HUB International Limited
- USI Insurance Services
1. Marquee Insurance Group (MIG)
As DAT’s preferred liability insurance partner, Marquee Insurance Group (MIG) simplifies the insurance process to bring carriers excellent rates from top-tier insurance providers nationwide. They help carriers navigate challenges, identify opportunities, and keep operating costs down while providing convenient coverage options.
MIG utilizes innovative technology to create a hassle-free connected experience for carriers of all sizes, providing access to on-demand certificates and policy information. With streamlined insurance services built for load boards, Marquee simplifies the insurance quoting process so truckers can receive a personalized insurance quote faster than the other agents.
With Marquee Insurance Group, carriers can access A+ rated insurance markets, preferred priority status with national provider partners, and instant quote options. Carriers also work with a transportation specialist to find the right fit for your business. Marquee is staffed with certified transportation risk and compliance specialists who have over 100 collective years of experience in the transportation and risk management industry.
Marquee also partners with industry leaders to provide exclusive discounts on numerous products and services. Start saving with priority insurance coverages and trucking services all through MIG—one of the top commercial truck insurance companies in the business.
Some of top features we value in MIG are:
- Exclusive discounts on products and services.
- Simplified insurance process with top-tier providers.
- On-demand access to certificates and policy info.
- Fast, personalized quotes for carriers.
- Priority access to A+ rated insurance markets.
2. Cottingham & Butler
Cottingham & Butler Transportation Group stands out among the best trucking insurance companies by offering comprehensive insurance and risk management solutions tailored to carriers. With options for fleets of all sizes, they provide both traditional and non-traditional coverage to meet a variety of needs. As a whole, Cottingham & Butler integrates insurance, safety management, and claims administration into a single, cohesive approach.
This integrated structure supports trucking companies at every growth stage, allowing them to choose solutions that best align with their unique goals and challenges. The experienced team at Cottingham & Butler is dedicated to delivering flexible insurance options, while ensuring transparency throughout the entire process, making it a reliable partner for trucking companies seeking customized coverage.
Some of Cottingham & Butler’s best offerings include:
- Comprehensive insurance and risk management solutions.
- Flexible coverage for fleets of all sizes.
- Integrated services for insurance, safety management, and claims.
- Tailored solutions to match unique business needs.
- Transparent, reliable service from an experienced team.
3. 1st Guard
As one of the top commercial truck insurance companies, 1st Guard brings a specialized focus that makes it a standout choice. Despite its smaller size, the company has built a reputation for exceptional service, demonstrated by its notably low number of customer complaints. Truckers benefit from 1st Guard’s tech-savvy approach, with a mobile app that enables easy access to coverage details, payments, and certificates of insurance. It’s a practical choice for carriers looking for reliable commercial truck insurance with convenient digital tools.
1st Guard also distinguishes itself from other commercial truck insurance companies by offering discounts, including savings for going paperless, paying electronically, and using their online portal to manage fleets. The coverage options are extensive, insuring truck and trailer combinations up to $300,000 in value. Plus, the company offers towing coverage and a unique one-deductible policy for accidents involving both the truck and trailer.
Some of the standout benefits of 1st Guard include:
- Tech-savvy mobile app for easy access to coverage, payments, and certificates.
- Discounts for paperless billing and electronic payments.
- Comprehensive coverage for truck and trailer combinations up to $300,000.
- Towing coverage and a one-deductible policy for accidents involving both truck and trailer.
- Exceptional customer service with a reputation for low complaint rates.
4. RLI Insurance
RLI Insurance earns its place among the best trucking insurance companies by offering more than just coverage—it provides value-added services that can help carriers enhance safety and compliance. Through its Safety Solutions team, RLI supports trucking companies with DOT compliance reviews, telematics strategies, camera integrations, and driver training improvements. These services are available even to those who aren’t insured by RLI.
RLI also provides practical benefits for larger commercial trucking companies. Fleet operators can receive discounts for integrating approved cameras into their trucks, further promoting safety on the road. The company offers workers’ compensation insurance to protect employees and simplify claims submission with a convenient online process.
RLI Insurance distinguishes itself with the following key benefits:
- Value-added services like DOT compliance reviews and driver training improvements.
- Telematics strategies and camera integrations to enhance safety.
- Discounts for camera integration to promote safer fleets.
- Workers’ compensation insurance with an easy online claims process.
- High policyholder satisfaction with a low level of complaints.
5. Great West Casualty Company
Great West Casualty Company stands out as one of the best commercial truck insurance companies due to its focus on meeting the specific needs of trucking businesses. With a reputation for customer satisfaction reflected in its very low complaint level, Great West Casualty Company offers a flexible approach to premium payments, allowing policyholders to base their annual premiums on factors such as gross revenue, mileage, or the value of their equipment. This flexibility extends to payment options, including various down payment and installment plans.
Great West Casualty Company also goes beyond standard coverage by offering risk-control services aimed at preventing accidents and incidents before they happen. These services include on-site assessments, training seminars, and educational materials like videos, all designed to help trucking companies improve safety and reduce risk. Additionally, they provide workers’ compensation insurance and have an option for large deductible policies.
Some of the key benefits provided by Great West Casualty Company are:
- Flexible premium payments based on gross revenue, mileage, or equipment value.
- Multiple payment options with down payment and installment plans.
- Risk-control services like on-site assessments and safety training seminars.
- Workers’ compensation insurance and large deductible policy options.
- High customer satisfaction with a very low complaint level.
6. Reliance Partners
Reliance Partners offers a suite of solutions catered to the diverse needs of trucking enterprises. Leveraging an extensive network of insurance companies, they craft personalized strategies that align with the unique business goals of carriers. Whether you have a small operation or a large fleet, their coverage accommodates a spectrum of needs. Specializing in API-driven, on-demand coverage, Reliance Partners ensures that businesses receive tailor-made solutions.
With Reliance Partners’ risk management services and safety seminars, they bring extensive industry knowledge about the trends that can accelerate the growth of your business, as well as insights about improving safety, and compliance programs that are key to your company’s success. Stay in control with support from one of the best trucking insurance companies for reducing risk, loss forecasting, and claims management.
Reliance Partners delivers the following top offerings:
- Personalized coverage strategies tailored to business goals.
- API-driven, on-demand insurance solutions for flexibility.
- Risk management services to reduce risk and improve safety.
- Safety seminars with industry insights to support business growth.
- Claims management and loss forecasting to help businesses stay in control.
7. HUB International
HUB International is among the top commercial truck insurance companies by specializing in motor carriers for hire, working closely with carriers to cover drivers, reduce losses and loss-related costs, and protect their company’s bottom line. HUB’s collision and comprehensive coverage protect against various incidents, from accidents to natural disasters. The company’s specialty is catering to industry-specific needs, including cargo coverage to cover valuable hauls. Additional options, such as non-trucking liability and occupational accident coverage, add a layer of protection even when a truck isn’t actively transporting cargo.
Through strategic and personalized programs, HUB’s specialists focus on aligning the unique needs of carriers with cost-effective solutions. Their coverage spectrum is extensive, encompassing vital aspects like liability coverage, physical damage coverage, motor truck cargo, and much more.
Key benefits provided by HUB International are:
- Comprehensive collision and liability coverage for accidents and natural disasters.
- Cargo coverage to protect valuable hauls.
- Non-trucking liability and occupational accident coverage for extra protection when trucks aren’t hauling cargo.
- Cost-effective, industry-specific solutions tailored to motor carriers.
- Extensive coverage options including liability, physical damage, and motor truck cargo.
8. USI Insurance Services
USI Insurance Services is a strong contender as one of the best trucking insurance companies, helping truckers and transportation businesses find cost-effective insurance solutions. Since 1968, their professionals have been guiding clients toward customized transportation insurance programs that cater to the needs of trucking, warehouse, distribution, brokers, and freight forwarders. USI’s expertise spans various business risks, including automobile liability, cargo, workers’ compensation, property coverage, general liability, and more.
The team leverages its USI ONE platform to analyze client business issues and challenges. By combining proprietary business analytics with a network of local and national technical experts, USI employs a team-based, consultative approach to evaluate each client’s risk profile and pinpoint targeted solutions tailored to commercial truck insurance needs.
Some of USI Insurance Services’ offerings include:
- Customized transportation insurance programs for trucking and logistics businesses.
- Coverage for a wide range of risks, including cargo, workers’ compensation, and general liability.
- USI ONE platform for in-depth business analysis and tailored solutions.
- Consultative, team-based approach to evaluate and address client risks.
- Expert guidance since 1968, backed by local and national technical experts.
Why does commercial truck insurance matter?
For any business that owns, leases, or rents trucks, or employs drivers to operate them, securing the right commercial truck insurance is crucial for smooth operations. The best trucking insurance companies offer coverage that goes beyond regulatory requirements, providing a safety net against the financial risks inherent in the industry.
Accidents, bodily injury, and property damage are all part of the unpredictable nature of trucking. Commercial truck insurance isn’t just a formality; it’s a safeguard that can include auto liability, comprehensive and collision coverage, and general liability insurance. The type and extent of coverage will depend on the fleet size and truck types, ensuring the policy matches the carrier’s needs.
Specialized options like errors and omissions (E&O) and general liability insurance further protect against legal liabilities and oversights. With coverage from one of the top commercial truck insurance companies, carriers can focus on their primary goal: keeping goods moving safely across the country.
Simplify commercial truck insurance with Marquee Insurance Group
Commercial truck insurance is essential for protecting carriers and owner-operators from the many risks they face on the road. From accidents and equipment damage to liability issues, the right coverage helps safeguard your business against costly setbacks. It provides peace of mind, knowing that unexpected events won’t derail your operations. Finding a policy from one of the best trucking insurance companies ensures your coverage is tailored to your unique needs, helping keep your trucks moving and your business thriving.
Marquee Insurance Group makes finding the right commercial truck insurance straightforward. With personalized coverage options and a focus on simplifying the process, MIG ensures you get the protection you need to stay on the road and keep your business running smoothly.
Cover the unexpected with DAT and Marquee Insurance Group
Don’t let unexpected setbacks stall your business. With the right commercial truck insurance from Marquee Insurance Group, you’ll have peace of mind knowing your fleet is protected against accidents, liability, and other risks. Pair that with DAT’s powerful tools for finding loads and optimizing routes, and you’ll be equipped to keep your trucks moving and your business thriving. Reach out today to explore coverage options that fit your needs and keep you on the road.
