Transportation Division
Trucking
Supporting your fleet with truck and commercial auto insurance solutions.
Partnership, not policies
Efficient risk management, long-term cost containment.
BulkLoads Insurance's Transportation Division is committed to partnerships with our clients that lead to efficient risk management and long-term cost containment. Through market relations with more than 50 transportation insurance companies, our team of dedicated professionals can secure coverage tailored to your company's needs. Our support staff of claims managers, loss control professionals, and industry experience will help you achieve your risk management goals.
Industries we cover
If you haul it, we can cover it.
BulkLoads Insurance supports fleets of all sizes across every one of these operations. If yours isn't on the list, call us anyway.
- Hopper Bottom
- End Dump
- Live Bottom
- Walking Floor
- Pneumatic
- Tanker
- Auger
- Belt
- B-Train
- Convertible
- Belly Dump
- Dry Van
- Refrigerated
- Flat Bed
- Drive-A-Way
- Hazardous Materials
- Intermodal
- LTL
- Passenger Carriers
Built for your equipment
Your world, your page.
Bulk, flatbed, and livestock each carry their own risks, so each gets its own coverage page.
Coverages
Our transportation division
provides these coverages, among others:
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.
Straight answers, no fine print games. Reviewed September 2026.
What does commercial trucking insurance cover?
A complete trucking program combines commercial auto liability (the legally required core, typically $1 million), physical damage on the tractor and trailer, motor truck cargo for the freight, and, depending on the operation, general liability, non-trucking liability, and trailer interchange. The right mix depends on what you haul and who you haul for, which is why we quote the account as one program.
How much does trucking insurance cost per truck?
For an owner-operator with their own authority, a full package typically runs $8,000 to $16,000 per year per truck, which is roughly $650 to $1,300 a month. Leased-on owner-operators usually see $2,000 to $5,000, and per-truck rates drop as fleets grow. Treat those as typical ranges, not a quote or a guarantee: your record, radius, cargo, equipment values, and the insurance market set the real number. Quotes are free.
What do I need to get a quote?
Your DOT number, driver list with CDL details, equipment list with values, the commodities you haul, and your current coverage or loss history if you have one. With that in hand, we can usually have quotes moving the same business day.
Do you write new authorities?
Yes. New DOT authorities pay more for the first year or two everywhere in the market; that's the industry, not the agent. We place new ventures with the markets that actually want them and structure the account so the price comes down as your clean history builds.
Why did my premium jump at renewal?
Usually some mix of market-wide rate increases, claims on the account, equipment value changes, and your carrier's appetite shifting away from your class of business. Whatever the cause, the response is the same: shop the account. We quote across 50+ transportation markets, and a renewal jump is the most common reason new clients call us.
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“We are a small trucking company that needs a little extra attention sometimes. From the start our agent Sarah was truthfully an answered prayer. She has always been both friendly and professional. No matter the issue she is always quick to help resolve it. In an industry that is always uncertain, it is a blessing to have the peace of mind that Bulk Insurance always has our back.”
“Briar is my agent, a young man that works extremely hard, doesn't give up, and keeps you informed of every step in the process. Hands down the best insurance agent I've ever dealt with.”
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.