Flatbed trucking
Insurance built for open deck
Steel, machinery, lumber: open deck freight carries its own risks: securement, tarps, oversize loads. We insure flatbed carriers alongside our sister company FlatLoads, so the coverage matches the deck.
What is flatbed trucking insurance?
Flatbed trucking insurance is commercial coverage for open deck carriers pulling flatbed, step deck, RGN, double drop, lowboy, Conestoga, and hotshot equipment. It combines commercial auto liability, physical damage, and motor truck cargo, with the cargo terms doing extra work on open deck: securement, tarp damage, and load shifts are the claims that set this class apart.
Reviewed September 2026
Equipment
Open deck equipment we cover
Fleets of all sizes, owner-operator to yard-full. If your setup isn't listed, call us anyway.
- Flatbed
- Step Deck
- Removable Gooseneck (RGN)
- Double Drop
- Lowboy
- Conestoga
- Hotshot
What our clients haul
- Steel & metals
- Machinery & equipment
- Lumber & building materials
- Oversize & heavy haul
- Coils & pipe
Why flatbed carriers pick us
Part of the FlatLoads family
Our family runs FlatLoads, the open deck load board, so securement claims, tarp damage, and oversize permits aren't foreign concepts to the people quoting your account.
Cargo coverage for what's on the deck
A coil of steel and a load of lumber don't carry the same risk. We make sure your motor truck cargo limits and terms fit the freight you actually strap down.
One call, whole account
Auto liability, physical damage, cargo, general liability, quoted together by one team, so nothing falls between two agents.
Coverages
What a complete policy looks like.
Every account is shopped across 50+ transportation insurance markets and built from the coverages below.
Auto Liability
If your business includes employees or customers driving a vehicle, you likely need commercial auto liability coverage. Let us help protect your business.
Physical Damage Insurance
Weather, animals, other drivers, all things that can damage your vehicle. Let us help cover your costs with physical damage insurance.
Motor Truck Cargo
Protection for your business against losses due to cargo destruction, theft, and more.
Non-Trucking Liability Insurance
Do you drive your truck for non-work purposes? As an owner-operator, protect your livelihood when you're driving for non-business purposes.
General Liability Insurance
Protection against liability claims for your business. Coverage options include product liability, cyber liability, and errors and omissions.
Cyber Liability Insurance
Data breaches. While we hope they never happen to your business, it is a potential risk. Help protect your company with cyber liability insurance.
Questions
Asked and answered.
Does motor truck cargo cover securement and tarp claims?
It depends on the policy's terms, which is exactly why they matter on open deck. Load shift, securement failures, and weather damage to tarped freight are handled differently across markets; we read those terms before you bind, not after a claim, and place the account where the coverage matches how you actually haul.
How much does flatbed insurance cost per truck?
A typical flatbed owner-operator with their own authority sees $8,000 to $14,000 per year for a full package, with the freight mix (coils and machinery price differently than lumber) and driving record setting where you land. Treat that range as what to expect rather than a quote: your actual number comes from shopping the account, which we do across 50+ markets for free.
Do you cover oversize and heavy haul loads?
Yes. Oversize work brings permit requirements and higher cargo values, and we work with markets that write it deliberately. Tell us your typical loads and the states you run, and the program gets built around them.
Do you insure hotshot operations?
Yes. Hotshot setups running dually pickups and gooseneck trailers are a growing part of the open deck world, and we quote them alongside full-size flatbed fleets.
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“Interacting with Zach, Connie and Christina has been amazing. They are the kindest and most helpful individuals you could hope to have dealings with. Exceptional team at Bulk Insurance. Thank you for everything guys.”
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Never question your coverage
Tell us what you haul and we'll shop the markets that actually know bulk freight. Quotes are free, and there's no obligation.