Trucking Insurance Coverage

Plan for the road ahead with coverage for your Commercial Truck and/or Semi!


Call or Text us at 701-223-5812 or email us at insurance.services@gateway-insurance.com

Why Do You Need Transportation Insurance?

For those winter, gravel and highway roads, truckers need the right insurance for how you operate, whether you're an owner-operator, leased to a carrier, have your own authority, or run a small fleet.


We can offer an insurance policy that can be customized to fit your commercial trucking business. With Gateway Insurance Agency's knowledge of the trucking industry, we can be one of the tools your trucking firm can add to your business.


Commercial Trucking Insurance is designed to protect businesses involved in the transportation of goods.



Commercial Trucking Insurance (depending on the policy) protects owner-operators, fleet owners, truck drivers and employees by covering the risks associated with accidents, injuries, property damage, lost cargo, and other expenses in the event of an unfortunate incident.

Trucking Basic Policies

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Primary Liability (Required)

Coverage for bodily injury and property damage caused by your truck

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Physical Damage Coverage

Covers your truck/tractor, trailer, and equipment for collision and comprehensive (including theft, fire, and vandalism).

Trucking Insurance Optional Endorsements

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Motor Truck Cargo Insurance

Provides protection for the freight being transported by the insured vehicle. This includes protection against theft, damage, and loss.

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Hired and Non-Owned Auto Coverage

Provides bodily injury and property damage coverage for vehicles not owned by your business, when you rent, borrow, hire or lease on a short-term basis.

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Trailer Interchange Insurance

Provides protection for Covers non-owned trailers damage to trailers being hauled with another transportation company (trailer interchange agreement).

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Hired & Non-Owned Auto

Protection when employees drive rented/borrowed vehicles for business.

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Non-Owned Trailer Physical Damage Coverage

Provides coverage for trailers you use temporarily for business operations.

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Heavy Truck Roadside Assistance

Covers breakdowns while traveling, including fuel delivery, replacing flat tires, lockout services, jump-starting a battery, towing or winching.

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Rental Reimbursement

Pays for lost income and vehicle rental while your truck is being fixed after a covered loss.

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Medical Payments Coverage

This option assists with immediate medical expenses for you and your passengers in the event of an accident, regardless of fault.

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Bobtail Insurance

Coverage when driving your truck without a trailer-between loads or after drop-off.

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Non-Trucking Liability

Covers non-business use of your truck (when not under dispatch).

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Other Endorsements

Downtime/rental, roadside/towing, gap coverage, cargo refrigeration breakdown, and more.

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Owner-Operators, Motor Carriers, and Fleets

Owner-Operator (Leased)

Custom packages for drivers leased to a carrier-bobtail, physical damage, and required endorsements.

Owner-Operator (With Authority)

Coverage for your own USDOT/MC-liability, cargo, filings, and more.

Small Fleets & Local Carriers

Multi-truck programs for local and regional haulers-coverage built around your radius, commodities, and team.

Filings, Certificates, and Active Authority

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Gateway coordinates FMCSA, state, and shipper filings (MCS-90, BMC-91x, etc.)

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Certificates of Insurance provided quickly for contracts and loads

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All paperwork handled by our local team-no delays in getting on the road

Multiple factors affect how the policy is written, including:

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Business Operation

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USDOT/MC number (if applicable)

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Truck, trailer, and equipment details (VIN, year, value)

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Driver list and MVRs

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Garaging location, operating radius, and primary routes 

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Commodities hauled

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Loss runs/history (if available)

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Security measures you take when storing your trucks when not in use

Gateway has multiple carriers to match your risk, price, and paperwork needs-so you don't miss a load.

Trucking Insurance-Questions Answered

  • How much is trucking insurance?

    Costs vary by operation, equipment, radius, and driving history

  • What trucking insurance do owner-operators need?

    Depends on contract-commonly liability, physical damage, bobtail/non-trucking, and cargo.

  • What's the difference between bobtail and non-trucking liability?

    Both cover a gap in the trucking policy but apply in different situations.  Bobtail covers you when driving without a trailer (example: after dropping off a load and heading to pick up the next one or returning after delivery); non-trucking covers personal, for off duty purposes.

  • Do I need motor truck cargo insurance?

    Required if you're responsible for the freight-most brokers and shippers demand proof.

  • Can you help with filings for trucking authority?

    Yes-Gateway handles filings, proof, and certificates for new and renewing authorities.

Hit the Road with a Trucking Insurance Policy

Let Gateway Insurance review your operation, we can explain your options, and together we can find the coverage be tailored to your specific needs, so the coverage is what you need, no matter the business or number of vehicles, ensuring the coverage is there to recover without devasting costs, just protection that keeps you moving.


When customers know you are adequately insured, they are more likely to trust and use your business.



Get reliable insurance protection for your Commercial Trucking Business so you can plan for the road ahead.