Primary Liability Insurance

Primary liability insurance is federally required for commercial trucking operations and protects your business against bodily injury and property damage claims resulting from accidents involving your truck. We help owner-operators and fleets obtain FMCSA-compliant liability coverage that satisfies state and federal filing requirements.

Our team assists with:

• FMCSA liability requirements
• State and federal filings
• Interstate trucking compliance
• DOT authority insurance requirements
• Policy customization for different trucking operations

Physical Damage Insurance

Physical damage coverage helps protect your commercial truck, trailer, and equipment from losses caused by collisions, theft, vandalism, fire, severe weather, and other covered incidents.

Coverage options may include:

• Collision coverage
• Comprehensive coverage
• Fire and theft protection
• Storm and hail damage
• Equipment replacement protection

We help trucking companies insure:

• Semi trucks
• Box trucks
• Flatbeds
• Dump trucks
• Hotshot trucks
• Tow trucks
• Commercial trailers

Motor Truck Cargo Insurance

Cargo insurance protects the freight you transport against covered losses such as theft, damage, overturns, and accidents while in transit. Different cargo types require specialized coverage limits and endorsements, and our agency helps ensure your policy matches your hauling operation.

Common cargo types insured include:

• General freight
• Refrigerated goods
• Construction materials
• Dry van cargo
• Electronics
• Heavy equipment
• Hazmat freight (where applicable)

General Liability Insurance

General liability insurance provides additional protection for trucking companies against non-driving related claims, including property damage, customer injuries, and legal expenses.

This coverage may help protect your business from:

• Slip and fall claims
• Loading dock incidents
• Customer property damage
• Advertising injury claims
• Business liability lawsuits

Trailer Interchange Coverage

Trailer interchange insurance protects non-owned trailers being hauled under trailer interchange agreements. This coverage is essential for many owner-operators and leased operators who regularly exchange trailers during freight operations.

Non-Trucking Liability Insurance

Non-trucking liability coverage provides protection when leased owner-operators use their truck for non-business purposes outside of dispatch.

This coverage is commonly required by motor carriers and helps protect drivers during personal use of the truck when not under load.

Occupational Accident Insurance

Occupational accident insurance provides valuable protection for owner-operators and independent contractors who may not carry traditional workers’ compensation insurance.

Coverage may include:

• Medical expense coverage
• Disability benefits
• Accidental death benefits
• Survivor benefits

Umbrella & Excess Liability Coverage

Umbrella and excess liability policies provide additional layers of protection above your primary trucking liability limits. Higher liability protection is increasingly important in today’s commercial transportation industry due to rising litigation and accident settlement costs.

Fleet Truck Insurance

Cook Insurance Group works with businesses operating:

• Small trucking fleets
• Regional fleets
• Nationwide carriers
• Local delivery fleets
• Specialized transportation companies

Fleet insurance programs can help simplify policy management while improving operational protection and risk management.

New Authority Trucking Insurance

Starting a new trucking company comes with unique insurance challenges. New authorities often face higher premiums, stricter underwriting requirements, and compliance complexities.

Our agency helps new trucking businesses with:

• DOT authority filings
• FMCSA insurance filings
• New venture insurance programs
• Compliance guidance
• Affordable startup trucking coverage
• Business growth planning

We help simplify the process so you can focus on building your trucking business with confidence.

DOT Filing Assistance

Cook Insurance Group assists trucking companies with required federal and state filings, helping ensure your operation remains compliant and active.

We assist with:

• FMCSA filings
• MCS-90 filings
• BOC-3 guidance
• State filings
• DOT compliance support

Risk Management & Driver Safety Programs

Managing risk is critical in the trucking industry. Our experienced team provides ongoing support designed to help reduce claims, improve safety performance, and strengthen CSA scores.

Risk management services include:

• Driver safety education
• CSA score guidance
• Loss prevention strategies
• Claims review assistance
• Mid-year loss run evaluations
• Fleet performance consultations

24/7 Certificates & Client Portal Access

Our agency provides convenient online access to policy documents and certificates through our easy-to-use client portal.

Client portal features include:

• 24/7 certificate requests
• Instant ID cards
• Policy access
• Claims reporting
• Billing information
• Coverage documentation

Bilingual Trucking Insurance Support

Cook Insurance Group proudly serves both English-speaking and Spanish-speaking trucking professionals. Our bilingual staff is committed to helping drivers, owner-operators, and fleet owners clearly understand their coverage options and compliance requirements.