Business Insurance

Commercial Truck

IAT Insurance Group has been a leading provider of specialized insurance solutions for the commercial transportation industry for more than half a century.

With deep industry knowledge and a commitment to customized service, we offer a wide range of coverage options tailored to meet the unique needs of motor carriers, independent contractors, and more. Whether insuring a single truck or an entire fleet, IAT’s Commercial Truck and Independent Contractor teams provide the protection needed to keep businesses moving forward.

Why is Insurance Important for Commercial Truck?

Insurance for commercial trucking offers specialized coverage options designed to protect the people and businesses involved in the transportation of goods and services. This type of insurance addresses the unique risks and challenges faced by independent contractors and commercial motor carriers, whether they operate a single truck or an entire fleet. It provides essential protection against liabilities, property damage, and losses related to the transportation industry, ensuring that businesses can continue their operations with confidence.

IAT’s Commercial Truck Solutions

Our trucking insurance solutions are designed to address the full spectrum of risks faced by commercial drivers - both from a motor carrier and owner-operator level. We understand that every operation is different, and our flexible, customizable coverage options reflect that diversity. From local and long-haul motor carriers to specialized haulers, we provide the right coverage to match the specific requirements of those on the road.

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Target Classes

We provide coverage solutions for a wide range of transportation operations, including:

Local, Intermediate, & Long-Haul For-Hire Motor Carriers

Catering to the varied needs of carriers transporting goods over short, medium, or long distances.

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Dry Van Operations

Coverage for goods transported in enclosed trailers, protecting against the risks of theft, damage, and accidents.

Refrigerated Operations

Tailored coverage for temperature-sensitive cargo, ensuring protection from spoilage and other temperature-related risks.

Flatbed Operations

Insurance designed for operators transporting oversized or irregularly shaped cargo, addressing the unique risks associated with flatbed trucking.

Intermodal

Coverage for shipments involving multiple modes of transportation, ensuring seamless protection across the supply chain.

Agricultural Haulers

Specialized insurance for carriers transporting agricultural products, from raw produce to livestock.

Independent Truck Operators

Comprehensive, competitively priced insurance coverage to help owner-operators fulfill the insurance requirements of the motor carrier to whom they are contracted.

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Coverage Options

IAT Insurance Group offers a comprehensive suite of coverage options designed to protect trucking businesses:

Auto Liability

Essential protection against third-party bodily injury and property damage claims arising from the operation of commercial vehicles.

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Non-Trucking Liability

Coverage for drivers when they are using their truck for personal, non-business use.

Physical Damage

Protects vehicles from loss or damage due to collisions, theft, vandalism, or natural disasters.

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Cargo

Safeguards the goods being transported, covering loss or damage from a variety of perils, including accidents, theft, and temperature fluctuations.

Property

Coverage for buildings, terminals, and other property assets critical to the transportation operation.

General Liability

Comprehensive protection against a wide range of third-party claims, including bodily injury, property damage, and personal injury.

Crime

Protects against financial loss due to theft, fraud, or other criminal acts impacting the business.

Non-Trucking Business Auto

Specialized coverage for vehicles used in business activities outside of trucking.

Occupational Accident

Tailored coverage for Independent Contractors, offering protection against medical expenses and lost income due to work-related accidents for owner-operators.

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Contract Liability

Protects motor carriers in the event an independent contractor files for Workers’ Compensation claiming employee status.

Workers’ Compensation

Provides coverage for medical expenses, rehabilitation costs, and lost wages for employees injured on the job.

Partner with IAT Insurance Group

At IAT Insurance Group, our commitment goes beyond the policy. We offer flexible payment plans, dedicated Loss Control support, and market-competitive coverage enhancements tailored to meet the unique operational needs of truckers. Our expert underwriters and Loss Control staff are strategically positioned across the country to ensure responsive, personalized service that keeps truckers moving.