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Understand your risks

What are you really protecting out on the road?

Tap each hotspot to see what matters most in a trucking policy and how it protects your operation.

Trucking insurance risks
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Primary liability

Required coverage that helps pay for injuries or property damage caused by your truck.

How Amara helps:

Primary liability is one of the most important parts of a trucking policy. It helps protect you if your truck causes injury or property damage while you’re operating under your trucking authority.

Get a Free Quote for This Coverage →

Coverage basics

Truckers insurance explained in plain English

Here’s the simple version of the main trucking coverages so you can match the policy to your rig, freight, and authority.

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Primary liability

Protects you when your truck causes injury or property damage while operating under authority.

Covered
Covered: third-party injuries, property damage, defense
Not usually covered
Not usually covered: your truck repairs or cargo losses
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Motor truck cargo

Helps protect the freight you haul if it’s damaged, lost, or stolen in a covered loss.

Covered
Covered: freight damage, theft, covered load loss
Not usually covered
Not usually covered: excluded cargo or poor packing
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Physical damage

Helps repair or replace the truck after a crash, fire, theft, vandalism, or weather event.

Covered
Covered: collision, comp losses, trailer damage if scheduled
Not usually covered
Not usually covered: normal wear and tear
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Bobtail / non-trucking

Covers certain driving situations when the truck isn’t under dispatch or hauling a load.

Covered
Covered: qualifying non-load trips, bobtail use
Not usually covered
Not usually covered: every use of the truck

Quick guide

What kind of trucking setup do you need?

Use this to see which type of trucking protection usually fits your operation.

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Owner-operator

Usually needs primary liability, cargo, physical damage, and the right filings.

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Small fleet

May need fleet-rated liability, cargo, physical damage, and driver scheduling.

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Hotshot / pickup

Often needs a trucking policy designed around smaller rigs and cargo needs.

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Broker / non-fleet

Needs careful setup for authority, cargo, and other liability exposures tied to the operation.