Who we insure: trucking operations of all sizes
We understand that no two trucking businesses are alike. That’s why Milepost Insurance offers flexible coverage options tailored to your operation:
Owner-Operators
Whether you run under your own authority or lease to a motor carrier, we offer policies that fit your unique business model. Our team helps you navigate coverage options so you can focus on driving and growing your business.
Motor Carriers
For-hire carriers need comprehensive protection for their fleet, cargo, and drivers. We help you stay covered, with scalable solutions that grow with your company. Whether you operate regionally or nationwide, we’ll tailor your coverage to match your routes and risks.
Private Fleets
Retailers, manufacturers, and wholesalers who transport their own goods can rely on us for tailored fleet insurance solutions. We understand the logistics behind your operations and offer coverage that keeps your supply chain secure. From local deliveries to multi-state distribution, we’ve got you covered.
Businesses that need truck insurance
If your business involves moving goods, equipment, or materials, truck insurance is essential. We serve:
- Long-haul freight and logistics companies
- Local delivery services
- Car carriers and auto transporters
- Hotshot truckers and expediters
- Log haulers and logging operations
- Construction and landscaping businesses
- Retailers and wholesalers with delivery fleets
- Food and beverage distributors
- Towing, recovery, and roadside assistance services
- Agricultural, livestock, and farming operations
- Oversized load or irregular cargo haulers
Milepost Insurance works with businesses across industries to deliver dependable coverage. Whether you're transporting perishable goods or heavy machinery, we’ll help you find the right policy. Even if your trucking needs are seasonal or specialized, we can build a plan that fits.
Types of trucks we cover
From long-haul rigs to specialized vehicles, we insure a wide range of commercial trucks, including:
- Semi Trucks
- Box or Straight Trucks
- Dump Trucks
- Tow Trucks
- Flatbed Trucks
- Refrigerated Trucks
- Pickup Trucks and Dually Trucks
- Tank Trucks
- Tractor-Trailers
Whether you operate one truck or a full fleet, Milepost Insurance has you covered. We also offer coverage for trailers, specialty rigs, and custom equipment. If your vehicle doesn’t fit the mold, we’ll work with you to find a solution.
What kind of insurance do trucks and tractor trailers need?
Whether you're hauling freight across the country or making local deliveries, trucks and tractor trailers face unique risks on the road. That’s why having the right mix of insurance coverage is essential—not just for legal compliance, but for protecting your business, your cargo, and your drivers.
Here are the most common coverages to consider:
Auto Liability Insurance: Required by law for most commercial trucking operations, this coverage protects against bodily injury and property damage caused to others in an accident. It’s the foundation of any trucking insurance policy.
Physical Damage Coverage: This includes collision and comprehensive coverage to protect your truck or tractor trailer from accidents, theft, vandalism, and natural disasters. It’s especially important for high-value vehicles or those financed through a lender.
Motor Truck Cargo Insurance: Cargo coverage protects the goods you're transporting in case of theft, fire, collision, or refrigeration breakdown. Whether you're hauling produce, electronics, or construction materials, this coverage helps safeguard your load.
Trailer Interchange Coverage: If you’re operating under a trailer interchange agreement—using trailers owned by another company—this coverage protects against physical damage to those non-owned trailers.
General Liability Insurance: This covers accidents or injuries that happen off the road—such as at loading docks, offices, or during business operations not directly involving the truck.
Milepost Insurance works with the Berkshire Hathaway family of insurance companies to offer these coverages in flexible packages tailored to your operation. Whether you're an owner-operator, motor carrier, or private fleet, we’ll help you build a policy that fits your routes, cargo, and risk profile.
What affects your truck insurance cost
Your premium depends on several key factors:
- Type of truck and cargo
- Operating radius and routes
- Driver history and safety record
- USDOT authority and inspection scores
- Coverage limits and deductibles
We work with you to find the right balance between protection and affordability—without compromising on quality. Our agents take the time to understand your business so we can recommend coverage that fits your budget and risk profile. We also review your policy annually to help ensure it evolves with your business.
Smart ways to save on truck insurance
Milepost Insurance offers multiple ways to reduce your insurance costs:
- Safe Driver Discounts – Clean driving records earn lower rates
- Telematics Programs – Use driving data to qualify for discounts
Ask us how you can stack these savings for maximum value. We also offer policy reviews to help you identify cost-saving opportunities without sacrificing coverage. Our goal is to help you protect your business while keeping your premiums manageable.
State & federal filings for truck insurance
Insurance filings are often required for trucking businesses, especially ones that cross state lines. Common filings for truck companies include:
- FMCSA filings for interstate operations
- State-specific filings for intrastate trucking
- Form MCS-90, Form E, and other required documents
Let Milepost Insurance take care of the paperwork so you can focus on driving. Whether you're applying for new authority or already operating, we’ll help make sure everything’s filed correctly and on time.
Why truckers choose Milepost Insurance
At Milepost, we specialize in commercial truck insurance with a focus on speed, service, and savings. Here’s why trucking businesses trust us:
- Industry-specific expertise
- Competitive rates and flexible payment plans
- Fast filings and responsive support
- Customized coverage for nearly every type of trucker
Our goal is simple: to help you stay protected and prepared for whatever lies ahead.
Frequently asked questions (FAQ)
Q: Do I need truck insurance if I only operate within one state? Yes. Most states require liability coverage for intrastate trucking, and additional coverage may be needed depending on your cargo and business type.
Q: Can I get coverage for my trailer or cargo? Absolutely. We offer trailer interchange and motor truck cargo coverage to protect your trailer and goods in transit.
Q: How quickly can I get insured and start operating? In many cases, we can issue a policy and file necessary documents within 24 hours.
Q: What kind of discounts can I qualify for? Safe driving, paid in full, and telematics programs can all help lower your premium.
Q: Do you offer coverage for refrigerated trucks or specialty vehicles? Yes. We insure a wide range of truck types, including reefers, flatbeds, and dump trucks.
Q: Can you help with FMCSA filings? Definitely. We can handle the federal and state filings to keep your business moving.
Q: Is Milepost Insurance available in my state? We serve trucking businesses in 30 U.S. states. Click here to see if coverage is available in your state.
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