Comprehensive Coverage for Independent Truckers & Fleets
In commercial trucking, downtime is lost revenue. Whether you are an independent owner-operator running under your own DOT authority or managing an expanding regional fleet, you need an insurance partner who understands FMCSA mandates, load requirements, and fast certificate delivery.
Intact Insurance Group LLC partners with specialized commercial auto and transportation underwriters. We help you meet Federal Motor Carrier Safety Administration (FMCSA) liability limits, satisfy freight broker onboarding criteria, and protect your tractors, dry vans, flatbeds, and reefers.
Never lose a load while waiting on an insurance broker. We provide fast COI issuance sent straight to your dispatcher or broker.
Complete Transportation Coverages
Primary Auto Liability
Required by federal and state law (FMCSA) for all commercial motor carriers. Protects against third-party bodily injury and property damage expenses resulting from an at-fault accident involving your truck.
- $750,000 to $1,000,000+ limits available
- Federal (BMC-91X) and State regulatory filings
- Covers medical bills, repairs, and legal defense
Motor Truck Cargo Insurance
Protects the cargo and commodities you transport against collision damage, overturned loads, fire, water damage, theft, and refrigeration breakdown (reefer breakdown endorsement).
- Standard $100,000 to $500,000+ coverage limits
- Reefer breakdown & temperature monitoring
- Earnest freight broker compliance for load booking
Physical Damage (Collision & Comprehensive)
Covers repairs or replacement for your semi-tractor and trailer if damaged in an accident, overturned, stolen, vandalized, or damaged by hail, flood, or severe weather.
- Stated Value & Actual Cash Value options
- Comprehensive roadside towing & recovery
- Equipment replacement & glass repair
Bobtail & Non-Trucking Liability (NTL)
Covers your truck when you are driving without a trailer attached (bobtailing) or driving for personal use off-dispatch, outside your motor carrier’s commercial lease agreement.
- Protection during off-dispatch personal miles
- Essential for leased owner-operators
- Seamless fit with motor carrier primary policy