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Transportation Insurance

Ensure business stability with United Partners.

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Services

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Commercial Truck

Commercial Truck insurance is a set of auto insurance policies tailored for trucking businesses. It includes basic coverage for accidents, and additional options like protection for cargo and non-trucking liability. Specialized policies can safeguard your fleet against specific perils and liability concerns, while also providing occupational accident coverage for your drivers in case of unforeseen accidents.

Commercial Truck insurance is necessary for: - Independent truck drivers and owner-operators - Businesses in the transportation industry - Any company using trucks or involved in transportation activities

By law, businesses must have basic Commercial Truck insurance, which offers customizable options to suit their needs. Unlike regular auto insurance, this type of insurance is tailored for trucks and their cargo. The Federal Motor Carrier Safety Administration (FMCSA) mandates commercial truck insurance for all truck-related commercial operations.

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About Us

Complete Coverage for Your Journey to Prosperity: Transportation Insurance Made Easy.

Whether you're a simple owner-operator or responsible for a fleet of commercial vehicles, road accidents are not your only concern when it comes to operating a transportation business. You want to manage all the risks associated with your transport activity.


We can work with you to mitigate the risks and costs associated with the general liability insurance coverage, corporate civil liability, civil liability in transportation of goods, damage and theft, workers' compensation and employee benefits. We’ll work together with you to develop that policy, reduce your transportation insurance costs, and create a personalized risk management solution for your transportation business.


United Partners transportation insurance experts have an in-depth understanding of practices and needs unique to your industry. We will work with you to reduce your costs while creating a risk management and insurance solution designed to keep your transportation business insured.

Why Choose United Partners?

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Tailored Coverage

Tailored Coverage: At United Partners, we believe in personalized solutions. Our approach involves tailoring insurance coverage to fit the specific needs of our partners. Whether it's crafting unique policies or offering customizable options, we prioritize providing solutions that precisely match your requirements, ensuring comprehensive protection for your business.

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Reliable Support

Reliable Support: Partnering with us means gaining access to a dedicated support network. Our team of experts is committed to providing consistent and reliable assistance. From navigating policy details to addressing claims efficiently, we stand by our partners every step of the way, offering guidance and support whenever needed.

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Proven Track Recod

Proven Track Record: With a strong foundation built on trust and reliability, United Partners boasts a proven track record within the insurance industry. Our history of delivering quality service and steadfast commitment to our partners' success speaks volumes. Choosing United Partners means aligning with a reputable partner dedicated to safeguarding your interests.

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Transportation Insurance FAQs

Transportation insurance covers the general risk of running a transportation business, protecting against financial losses from vehicle accidents. While transportation insurance is common in the trucking industry, all businesses with any type of transportation fleet must have transportation insurance, even when transportation is not the organization’s primary business. Each industry, including construction, retail, energy, medical, agribusiness and others, has its own coverage requirements, but transportation is heavily regulated by both state and federal regulations.
For any type of commercial fleet, coverage for commercial auto liability and physical damage is generally required. The motor carrier coverage form is used for any for-hire trucking company; the business auto form is for other businesses that may have its own vehicles. The motor carrier form includes endorsements or amendments, such as Trailer Interchange coverage. For-hire commercial truckers will need a stand-alone Motor Truck Cargo policy. This insures the trucker for any legal liability for damage done to cargo.
The following factors affect the cost of transportation coverage: previous losses (i.e., claims history); U.S. Department of Transportation (DOT) and Occupational Safety and Health Administration (OSHA) compliance; Compliance, Safety, Accountability (CSA) scores; vehicle maintenance and driver training programs; and driver retention, as well as the location of the operation and hauling destinations. Underwriters will also look closely at your driver roster and take driver health and motor vehicle report (MVR) record into consideration.
Yes. When transporting people versus property, organizations need commercial auto liability and physical damage policy. Medical transportation vehicles such as ambulances, paratransit and other emergency and non-emergency vehicles have additional, specific requirements and unique endorsements to meet.
Yes, if drivers are considered employees and not independent contractors