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Commercial truck insurance

Explore coverage that fits the needs of your trucking business. Speak with a USAA Insurance Agency Commercial specialist today to get started.

Call 800-292-8135

For TTY devices, dial 711

Hours of operation for Commercial Insurance Call Center

Monday to Friday
7:30 a.m. to 6 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary.

What's commercial truck insurance?

A commercial truck policy offers liability and physical damage protection for you, your truck and your equipment under the broader protection of commercial auto insurance. This can help cover the cost of repairs, medical expenses and legal issues.

Who needs it?

If your business relies on trucks for work, you typically need this insurance. Examples include general freight haulers, car haulers, household movers, log haulers, towing services and more.

Types of truckers it insures

Owner operators

If you own and operate a commercial truck, stay covered whether you’re leased to a motor carrier or operating on your own.

Motor carriers

If you’re working as a for-hire trucker, make sure you have the right insurance while on the road.

Private carriers

Whether you’re trucking goods for your own company or an employer, make sure you have the right amount of coverage.

What does commercial truck insurance cover?

It can protect more than just your truck with coverage tailored to your business needs.

Liability

Non-trucking liability can cover you when you use your truck outside of business purposes. It offers financial protection if an accident happens during personal use.


General liability can help cover injuries and property damage. It offers protection whether you’re on the road, at a loading dock or elsewhere.

Trailer interchange

This coverage can help protect you if another party uses your trailer. This is important if you exchange or haul trailers owned by others.

Motor truck cargo

This coverage can help protect the goods hauled in your truck. It can cover loss and damage caused by accidents, theft and other risks.

Heavy truck roadside assistance

This can help pay for emergency services you might need during a breakdown. Some examples include towing, winching, fuel delivery and more.

Rental reimbursement with downtime

This can help pay for a vehicle rental and lost income if your truck needs covered repairs. If your business relies on a commercial truck, it can lower the financial impact of unexpected downtime.

Some types of trucks that need coverage

  • Tractor trucks

  • Tow trucks

  • Box and dump trucks

  • Car carriers or rollbacks

  • Agricultural trucks

  • Food, catering and ice cream trucks

  • Cement mixers

  • Front loader and bucket trucks

  • Garbage trucks and street sweepers

Why get a policy through the USAA Insurance Agency?

The USAA Insurance Agency is here to help you find insurance to fit your needs. Our long-standing alliances with other insurance providers allow us to make sure you get a great mix of coverage, pricing and quality customer service.

Also, when you buy insurance through the USAA Insurance Agency, you help us support the military community through charitable contributions and special events.

Commercial truck insurance FAQ

It depends whether you operate under your own authority or if your truck is leased to a motor carrier.

If you operate under your own authority, then personal use may be covered under your policy. If you lease your truck, then it’s typically only covered for business use.

It can vary. Your policy can cover you, company-employed drivers and even independent contractors. You must list any employees that drive your trucks as "permissive users" on your policy.

The cost depends on things like the type of vehicle you own or use, your coverage limits and your driving history. To get a quote, speak with a USAA Insurance Agency Commercial specialist at 800-292-8135.

Get business protection beyond truck insurance.

Commercial umbrella insurance

Add an extra layer of coverage above your existing policies’ liability limits.

Learn about commercial umbrella

Cyber insurance

Help protect your business from the cost of cyberattacks and data breaches.

Learn about cyber insurance

Commercial general liability insurance

Get coverage for everyday business risks like accidents, property damage and legal costs.

Learn about general liability

Stay protected with commercial truck insurance.

Speak with a USAA Insurance Agency Commercial specialist today.

Call 800-292-8135

For TTY devices, dial 711

Hours of operation for Commercial Insurance Call Center

Monday to Friday
7:30 a.m. to 6 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary.

Related footnotes:

  1. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

  2. The coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.

  3. Membership eligibility and product restrictions apply and are subject to change.

  4. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

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