Unladen liability provides primary liability coverage for trucks being operated either with an empty trailer or without a trailer, regardless of whether it’s been dispatched or not.
Custom policies for standard 18-wheelers or semi’s that haul dry goods and general freight.
Tailored insurance policies for equipment used for commercial auto transportation or vehicle trucks.
Coverage customized for over-sized vehicles with heavy cargo.
Coverage optimized for pump trucks, tankers and Hazmat cargo.
Royalty Truck Insurance agents can help you get the best semi truck insurance policies for your big rig if you’re an independent owner/operator or your fleet of vehicles if you’re a motor carrier or trucking company.
Get Better Semi Truck Insurance Rates
Our agents can help you lower your premiums and optimize your coverage levels based on your vehicles, type of business and regulations in your state of registration.
Our semi truck insurance policies all come from A-rated providers, and we can help you get the coverage you need, even if you’ve experienced prior loss.
Insurance for Semi Trucks, Drivers and Company Assets
Royalty agents can help you get the semi truck insurance coverage you need. We’ll start with the coverage that’s required by law, including primary liability set at the legal limits of your state. We’ll then add to your policy if you want to protect your own semi truck and equipment in case of an accident.
We can even reduce your overall premiums by helping you bundle your vehicle coverage with any other policies you might need for your business, including trailer and cargo insurance coverage and even policies for your business and any possible employees.
At Royalty, we don’t just offer insurance for semi trucks, we can bundle and bind full policies for entire motor carriers or trucking businesses.
Semi Truck Insurance Coverage Map by State
Royalty is currently licensed to sell and bind commercial semi truck insurance policies in all of the orange states in the map below. We’re experts on proper state filings and coverage regulations. Hover over a state on the interactive map below to see its specific filings, or click any orange state for more info on semi truck insurance coverage in your area!
Core Semi Truck Coverage
Primary liability coverage, bodily injury, property damage, medical payments.
Enhanced Protection Options
Physical damage, collision. comprehensive coverage, uninsured motorists.
Under the Hood of Your Semi Insurance Policy
Check out more about some of the common specific coverages that make up your semi truck insurance policy.
Primary liability is the root coverage of any vehicular insurance policy and the core coverage required by the FMCSA in order to legally operate. It’s insurance that protects against loss from legal liability for bodily injury or property damage to another party involved in an accident or claim. The FMCSA requires a minimum of %750,000 in coverage, but in our experience most customers ask for a minimum of $1 million in order to satisfy common shipper
Commercial general liability insurance is core coverage for your business, insuring against legal liability for bodily injury or property damage another party might claim that occurs on your premises, or as a result of your products, services and other basic operations of your business. Small business trucking companies can save by bundling general liability with their vehicle or vehicles’ policies.
Physical damage is coverage you want included in your policy if you want to protect your own vehicle from loss or damage caused by things like accidents, fire, theft or vandalism. Tractors and trailers require separate coverage in the commercial trucking industry since trailers so often change hands, but if you insure both your tractor and trailer and they are involved in the same accident, you may only be required to pay 1 deductible for the claim.
Motor truck cargo is insurance for hauled goods or freight. It protects against loss from legal liability for damaged merchandise while in the insured party’s possession during the course of transit. Motor truck cargo can prevent against loss from accident, or equipment failure like refrigeration system malfunctions for perishable goods like produce. Limits can be adjusted in a wide range to optimized for regularly hauled freight.
Passenger accident coverage insures against medical expenses for guest passengers (who aren’t co-drivers) who are present in the event of an accident. Passenger accident also covers against fatalities and dismemberment. Exclusions and age limitations may apply to this coverage, depending on provider.