Primary Liability
Protection for covered third-party injuries and property damage from operating an insured commercial vehicle.
Learn more about Primary LiabilityTrucking Insurance Specialists
Coverage That Keeps Your Business Moving
From independent owner-operators to growing commercial fleets, Talis Insurance Group helps trucking businesses explore insurance options suited to their equipment, cargo, drivers, routes, and contractual requirements.
- Owner-Operators and Fleets
- Commercial Trucking Expertise
- Responsive Policy Support
Owner-operators Commercial fleets Specialized haulers
Choose your path
Insurance Built Around Your Operation
A one-truck owner-operator, a new motor carrier, and a growing fleet do not have identical exposures. Start with the operation that best reflects your business.
Owner-Operators
Protect your truck, livelihood, and contractual responsibilities.
Explore Owner-Operator InsuranceNew Ventures
Understand the documentation commonly needed to launch a trucking operation.
Explore New Venture CoverageGrowing Fleets
Coordinate protection across multiple power units, trailers, and drivers.
Explore Fleet InsuranceSpecialized Haulers
Address the exposures of refrigerated, flatbed, auto-hauling, and intermodal work.
Explore Specialized OperationsTrucking Coverage
Protection for Every Part of the Journey
A trucking programme may combine several coverages. The right combination depends on how the business operates, what it hauls, and where it travels.
Coverage in Practice
When the Unexpected Happens, the Right Coverage Matters
Third-party accident
An accident causes injuries or property damage. Primary liability may respond to covered third-party claims, subject to policy terms and limits.
Primary LiabilityDamage to an insured tractor
Your tractor is damaged in a collision. Physical damage coverage may help pay for covered repairs or replacement, subject to limits and deductibles.
Physical DamageCargo loss or theft
Freight is lost or stolen in transit. Motor truck cargo insurance may protect the carrier's legal responsibility for certain covered cargo loss.
Motor Truck CargoDamage to a non-owned trailer
A non-owned trailer is damaged in your care. Trailer interchange coverage may respond under a qualifying written agreement.
Trailer InterchangeWhy Talis
Trucking Insurance Requires More Than a Generic Policy
Every operation has a different mix of equipment, drivers, commodities, routes, contracts, and loss history. Talis learns those details before presenting available options.
- Trucking-focused risk review
- Plain-language coverage explanations
- Support as your operation changes
- Renewal preparation & review
- Responsive communication
- Owner-operator & fleet options
See How Talis Supports Trucking Businesses
Trucking Insurance Guidance for the Road Ahead
Learn how Talis Insurance Group approaches trucking insurance for owner-operators and commercial fleets through clear communication, attentive service, and coverage discussions built around the way each business operates.
Ready When You Are
Ready to Discuss Your Trucking Coverage?
Prepare information about your business, vehicles, drivers, cargo, routes and current insurance, then begin your quote request.
Our Process
From Quote Request to Covered Operation
1
Tell Us About Your Business
Authority, drivers, equipment, cargo, routes, and current insurance.
2
Review Your Exposures
We identify applicable insurance needs and potential gaps.
3
Compare Available Options
Eligible options compared on terms, limits, deductibles, and premium.
4
Select and Bind Coverage
A licensed professional explains the option and requirements to bind.
5
Receive Ongoing Support
Stay supported through renewals and coverage questions as your operation evolves.
Carrier Network
Our Insurance Carrier Network
Talis Insurance Group works with available insurance markets to help eligible trucking businesses explore coverage options suited to their operations.
FAQ
Common Trucking Insurance Questions
What information is needed for a trucking insurance quote?
Commonly requested details include USDOT and MC numbers, vehicle and trailer schedules, driver information, commodities, operating radius, annual mileage, prior insurance, and loss history.
What coverage may be required for a motor carrier?
Requirements vary by authority, operation, and contracts. Primary liability is foundational for most for-hire operations; brokers or shippers may require additional coverages.
What is the difference between primary liability and physical damage?
Primary liability generally addresses covered injury or property damage the insured vehicle causes to others; physical damage generally addresses covered damage to your own truck or trailer.
Does cargo insurance cover the truck?
Motor truck cargo generally addresses the carrier's legal responsibility for covered freight, not the vehicle. Damage to the truck is typically addressed by physical damage.
What insurance may an owner-operator need?
It depends on whether you run under your own authority or lease to a carrier. Coverages commonly considered include primary liability, physical damage, cargo, and non-trucking or bobtail coverage, subject to eligibility.
Can a new trucking venture request coverage?
Yes. New ventures may need to organize authority, driver, equipment, and route information first. Eligibility and pricing depend on underwriting.
How are trucking insurance premiums determined?
Underwriters may consider equipment, drivers, commodities, radius, mileage, loss history, and requested limits. Because operations differ, quotes are individualized.
Can multiple trucks be insured under one policy?
Fleets are often insured under a coordinated programme covering multiple units and drivers. The right structure depends on the operation.
Ready to Review Your Trucking Coverage?
Whether you are insuring your first truck, preparing for renewal, or expanding a fleet, start with a conversation about your operation.
- Owner-Operators and Fleets
- Trucking-Focused Guidance
- No-Obligation Quote Request