Colorado Trucking & Motor Carrier Insurance
Primary liability, cargo, physical damage, and the filings that keep your authority active. We insure Colorado motor carriers from single owner-operators to growing fleets, and trucking is a line we write particularly well.
The trucking insurance stack
Trucking coverage is its own world, with federal minimums, filings, and shipper requirements layered on top of ordinary commercial auto. We build the stack so your authority, your contracts, and your equipment are all protected.
- Primary auto liability at the limits your operation requires, commonly $750,000 to $1,000,000 for general freight, with federal and state filings handled.
- Motor truck cargo matched to what you actually haul, with attention to theft, reefer breakdown, and unattended vehicle conditions.
- Physical damage on tractors and trailers, valued correctly so a total loss does not strand your business.
- Non-trucking liability and bobtail for leased-on owner-operators.
- General liability for the exposures that happen off the truck: docks, yards, and loading.
- Workers' comp for drivers and shop staff, including hard-to-place classes.
New authorities welcome
The first 24 months under your own MC number are the most expensive to insure. We work with markets that write new ventures and build a record that earns real rate relief at renewal.
Filings without the runaround
Federal and state filings, certificates for shippers and brokers, and quick turnarounds when a load is waiting on paperwork. We know the clock matters.
Local and regional specialists
Dump, hot shot, intermodal, final mile, livestock, and general freight each have their own markets. Box trucks and lighter units have their own page: box truck insurance.
Trucking insurance FAQs
What do brokers and shippers usually require?
Commonly $1M auto liability, $100,000 cargo, and current certificates naming them. Some freight requires more. Send us your broker packets and we will make sure the program satisfies them before you sign.
Why is my new authority quote so high?
Carriers price new MC numbers off industry loss data for new operations, which is unfavorable. The fix is time, clean inspections, and a claims-free year or two. We re-shop aggressively as your record matures.
Do you handle owner-operators leased to a carrier?
Yes. Leased-on operators typically need non-trucking liability and physical damage, with the motor carrier providing primary liability. We make sure there is no gap between your policy and the lease agreement.
How are tractors and trailers valued for physical damage?
Stated amounts that you set, which is why underinsuring to save premium backfires at total loss. We review equipment values annually so settlements match replacement reality.
Does my policy cover a rental or loaner truck while mine is down?
Only with hired auto and rental reimbursement provisions arranged in advance. Downtime is a revenue problem, and we structure coverage so a breakdown does not idle your authority.
What is trailer interchange coverage?
Physical damage coverage for non-owned trailers you haul under interchange agreements, which the agreements require. If you pull other carriers' boxes, you need it before the first load.
Can you help with broker and shipper packet requirements?
Yes, daily. Send the packet and we will return certificates with the exact limits, wording, and filings it demands, usually same day, because we know the load does not wait.
Get your trucking quote
MC number, equipment list, and commodity mix. We will quote the right trucking markets fast.