Commercial Truck Insurance
Semi Truck Insurance

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Semi and Commercial Truck Insurance

Available in all 50 states!

Private or For-Hire

Operating a successful trucking company is challenging. Balancing schedules, fleet tracking, maintenance, hiring, training, customer demands, and ever-changing government regulations are all in a day’s work. Our passion is helping our trucking clients to drive success. We tackle your toughest insurance needs and bring order to this area of your operations.

Our model is unique and regularly delivers broader coverage at lower rates. As an independent insurance agency that specializes in commercial trucking insurance, we are contracted with A+ rated insurance companies that want to compete for your business. We will listen to you, understand your operations, match your business to the best-suited carriers, and present best-in-class semi truck insurance quotes.

Bankers delivers. On time, every time.


David Merriman
Trucking Insurance Risk Manager
(434) 409-3085

BJ Bauer
Trucking Insurance Risk Manager
(540) 320-5804

Tom Weatherford
Trucking Insurance Risk Manager
(757) 215-1340

Commercial Truck Insurance Program

Key Features

What makes our program different*

  • Assigned account managers: We operate a unique business model. We do not maintain a call center. Instead, each commercial truck insurance client is assigned a dedicated account manager, provided their email along with a phone number that rings right on their desk. When you need help, a real human being answers your call – one who is familiar with your account and whose number one priority is your service.
  • Convenient Payment Options: Our carriers are top-rated and offer a variety of flexible payment plans, including zero-interest plans.
  • Compliance with Contract Requirements: Many of our clients have complex contract requirements that necessitate specific endorsements to their semi truck insurance policy. Whatever your need, we will work with you to satisfy it.
  • Contract Risk Review and Assessment: In addition to an account manager, our clients are also assigned a trained commercial risk manager who can review existing or speculative contracts and provide advice regarding insurance requirements, endorsements, and additional risk being shouldered.
  • Dedicated Claims Specialists: Bankers is your advocate with your insurance company. We staff dedicated claims agents to guide you through the process and ensure all is resolved equitably and fairly. Our priority is to get you back on the road quickly, with minimal impact.
  • Multi-Carrier Quotes: We represent many semi truck insurance companies and know the strengths of each. A company that has good rates for logging will likely not have the best rates for beverage distribution. We will not waste your time shopping your coverage with uncompetitive companies, but will present your business in its most attractive light to a filtered segment that will aggressively compete for your business.
  • Benchmarking: How do your truck insurance premiums stack up to your competition? We provide comparisons as to how your expenses compare to similar companies.

*Features may vary depending upon insurance company.


The broadest range of acceptable operations:

  • Local, Intermediate, or Long Haul
  • Private or For-Hire
  • 1- 250 power units. Larger fleets considered under alternative programs.
  • Dry Van, Refrigerated, Flatbed, or Intermodal
  • Agricultural, Coal, and Timber Haulers
  • All others…


Our commercial truck insurance offerings include:

  • Truckers Liability and Physical Damage
  • General Liability
  • Cargo
  • Workers compensation
  • Umbrella Liability
  • Inland Marine
  • Spoilage
  • Intermodal
  • All others…

Captive and self-insured solutions available for large fleets.

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Insurance Coverages

Truck insurance, white tractor and trailer on desert road at sunset.

The value of a commercial truck insurance policy is all in the details. Ensure your coverage is provided by a top-rated company with a proven record of standing by their policy, along with an insurance agent skilled in semi truck insurance. Remember that the largest risk is liability. Trucks can be expensive, but liability claims for bodily injury can far outweigh the cost of vehicle damage. Below are the main coverages available.

  • Liability: $1,000,000, $2,000,000, or higher limits are available. Can be provided for listed vehicles, all owned vehicles, or even any vehicle, as required.
  • Physical Damage: Actual cash value at time of loss, agreed value, or replacement cost.
    • Comprehensive
    • Collision
    • Specified Cause of Loss: Primarily concerned with specific items that may lead to a claim? Specified cause of loss may be the best choice for your business.
  • Income Loss: Protection for business income when impacted by a covered accident/event.
  • Medical Expenses or Personal Injury Protection (PIP)
  • Uninsured and/or Underinsured Motorist: Most state minimum insurance limits are low. If your vehicle is damaged by another party and their insurance coverage is not adequate, these coverages provide the protection you need.
  • Hired and/or Non-Owned Liability: Should your business rent or borrow a temporary vehicle.
  • Hired Physical Damage: Protection if your business is liable for damaging a rented or borrowed vehicle.
  • Towing and Labor

Other Auto-Related Coverages

Commercial truck insurance other auto coverages, a white semi truck and trailer on the highway as seen from the rear.
Semi truck insurance other auto coverages, container loading dock with many sea containers being removed from large ship and placed on trucks for transport. Intermodal theme.

Depending upon operations, most truckers need certain additional commercial trucking insurance coverages. These protections can be added as required:

  • Intermodal, including the Uniform Intermodal Interchange Agreement (UIIA) Additional Insured Endorsement
  • Loan Gap: In the event your rig is totaled and, at the time of loss, the loan is greater than the insured amount.
  • FHWA, PUC, and all state and federal filings accommodated
  • MCS90 endorsements
  • Trailer Interchange
  • Cargo
  • Spoilage: Specialized protection for refrigerated cargo.
  • Downtime Loss and Additional Expense: Should a key vehicle be damaged and a suitable replacement not be on hand, you may experience a damaging loss of income. Downtime Loss protects your business against this risk. Extra Expense protection provides additional coverage should the business need to temporarily rent a replacement vehicle.
  • Company Service Vehicles: Or any other vehicle owned by the business.
  • Diminishing Deductible
  • Roadside Assistance: Fuel, tires, jump-start, mobile mechanic
  • Debris removal
  • Earned freight
  • On-Hook Coverage
Semi truck insurance general liability, truck driver standing on loading dock, inspecting boxes.

Many logistics contracts and risk managers now require general liability insurance as protection against risks not associated with your trucking operations. This coverage protects your business against liability such as bodily injury, property damage, personal injury (libel or slander), medical payments, and damage to premises rented to you.

General Liability risks fall into three main categories

  1. Operations
  2. Drivers
  3. Premises: A vendor, supplier, other servicing trucker, or even clients being injured at your location.
  • A client delivers product to your location for shipment. He trips and falls off your loading ramp, breaking an arm and crushing three vertebrae. Your client sues for medical bills and lost wages, alleging the hazard was inadequately marked.
  • While unloading cargo, a your driver crunches a dolly into a parked vehicle. If your operations include the use of a piggy back/donkey forklift, such risk is higher.
  • Your driver regularly unloads raw materials into a specifically marked bin at a factory. The driver accidentally delivers material to a similar bin. That material in introduced into the manufacturing process, damaging hundreds of thousands of dollars of processing equipment.
  • You rent temporary storage offsite due to high volume. Your cargo catches fire and burns down the entire facility. The storage facility’s insurance carrier pays for the building, but then sues your business, alleging your cargo was your responsibility. Owners of the contents housed in adjoining units join the suit.
  • Your driver gets into an altercation at a truck stop while on the clock. An injured party sues your business for assault.

Other Semi Truck Insurance Coverages

Commercial truck insurance workers compensation, truck driver checking trailer, ensuring all is properly hooked up.

Bankers Insurance offers all supporting coverages.

  • Property: Buildings, Contents, Business Income, Extra Expense
  • Workers Compensation: Bankers is contracted with several strong workers compensation insurance carriers that specialize in trucking. Let us not only help you save money, but also reduce claims by identifying critical areas of risk.
  • Umbrella Liability: To increase auto, general liability, and workers compensation liability limits.
  • Inland Marine: For high-value mobile equipment.
  • Employee Benefits
    • Group Health
    • Group Dental
    • Group Vision
    • Group Life
    • Group Disability
  • All other coverages…

Insurance Services

When choosing a motor carrier, one never focuses strictly on the quoted rate to move cargo from one point to another. Many other factors differentiate trucking firms, such as on-time delivery, lack of product damage, and timely paperwork. Similarly, our client-centric service model places your business at the center of our efforts. We strive to make your job easier by delivering quality, on time, every time.

In addition to the services outlined above, below is a sampling of additional offerings we provide our semi truck insurance clients. Services may vary by insurance carrier.

Loss Control

Establishing and maintaining an effective vehicle safety program is the foundation for reducing semi truck insurance claims in fleets of any size. Receive assistance in reviewing your current safety program along with solutions to your safety needs. We want to help decrease down time, claims, fines, lawsuits, and semi truck insurance costs.

  • Employee Manuals: complete and updated to address the latest human resources issues
  • Trucking Safety Manuals: tailorable to your specific needs
  • Risk management consultations
  • Training videos and reference materials
  • Safety program templates
  • Safety flyers, handouts, and posters
  • CSA support materials
  • Safety management assistance
  • Vehicle safety program assessment
  • DOT and HAZMAT regulatory guidance
  • Accident investigation, including gathering and preserving information, and coordinating teams of reconstruction experts, field investigators, and adjustors.

We do not shy away from hazardous operations. We work with unique and difficult classes of business to reduce a claim’s severity and negative impact on your business.

Driver Resources

  • Accident management
  • Safety bulletins
  • DOT regulatory updates
  • Vehicle maintenance programs
  • Distracted driving awareness
  • Defensive driving safety information
View All Resources

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We offer choices and expertise. We don’t expect clients to be commercial truck insurance experts.  Take advantage of our experience. We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you. Only then can suggest the coverage that suits your specific business. We look for coverage gaps to help ensure complete protection. With us, you get the benefit of: