The Best Commercial Truck Insurance Companies for Your Business
Choosing the right commercial truck insurance is critical to protecting your business from financial risks. Accidents, cargo damage, or equipment loss can disrupt operations and lead to costly downtime. Reliable insurance tailored to the trucking industry’s unique needs is essential.
Based on a thorough review of leading providers, customer satisfaction, financial stability, and specialized coverage, here are the top commercial truck insurance companies for 2025 according to DAT’s research.
1. Marquee Insurance Group (MIG)
DAT’s preferred liability insurance partner, MIG simplifies insurance with access to A+ rated markets and fast, personalized quotes. Their transportation specialists bring over 100 years of combined experience to guide carriers of all sizes.
- Fast, easy quote process connected to top providers.
- On-demand access to certificates and policy information.
- Exclusive discounts on products and services for trucking companies.
2. Cottingham & Butler
Cottingham & Butler offer integrated insurance and risk management solutions tailored for fleets and carriers of all sizes. Their comprehensive approach includes insurance, safety management, and claims administration to support growth at every stage.
- Flexible coverage options for diverse trucking needs.
- Transparent service backed by experienced industry professionals.
- Integrated safety and claims support for reduced risk.
You May Also Like: New Driving Laws in Canada 2025: What Is Coming This Summer?
3. 1st Guard
Known for exceptional service and low complaint rates, 1st Guard provides extensive coverage for truck and trailer combinations up to $300,000. Their mobile app allows easy management of coverage and certificates, with discounts for paperless billing and electronic payments.
- User-friendly app for policy management on the go.
- One deductible policy for accidents involving both the truck and trailer.
- Towing coverage is included with comprehensive insurance.
4. RLI Insurance
RLI stands out by offering value-added services such as DOT compliance reviews, telematics strategies, and driver training improvements. They support safety and compliance beyond traditional insurance, with discounts for fleets integrating approved camera systems.
- Safety-focused services, including telematics and camera integration.
- Workers’ compensation coverage with simplified online claims.
- Strong policyholder satisfaction and low complaint volume.
You May Also Like: DOT Inspections Checklist: What Every Trucker Needs to Know
5. Great West Casualty Company
Great West Casualty provides flexible premium payment options based on revenue, mileage, or equipment value. Their risk-control services include on-site assessments and safety training seminars designed to prevent accidents before they happen.
- Multiple payment plans with installment options.
- Risk management resources and training materials.
- Workers’ compensation insurance and large deductible policies.
6. Reliance Partners
Reliance Partners offers tailored coverage strategies supported by an extensive insurance network. Their API-driven, on-demand insurance solutions provide flexibility to businesses of all sizes, combined with risk management and safety seminars.
- Personalized insurance plans aligned with business goals.
- Cutting-edge, on-demand insurance technology.
- Industry-focused risk reduction and claims support.
You May Also Like: Should You Drive Winter Tires in Summer? Key Differences Explained
7. HUB International
HUB International specializes in motor carriers, delivering extensive coverage including liability, physical damage, cargo, non-trucking liability, and occupational accident insurance. Their programs are designed to reduce losses and protect motor carriers effectively.
- Comprehensive collision, liability, and cargo insurance.
- Coverage for trucks when not hauling cargo.
- Cost-effective solutions tailored for motor carriers.
8. USI Insurance Services
With over five decades of experience, USI offers customized insurance programs covering cargo, workers’ compensation, general liability, and more. Their USI ONE platform uses business analytics to deliver targeted risk solutions.
- Wide range of transportation insurance products.
- Consultative team-based risk evaluation.
- Proven expertise since 1968 with national and local specialists.
Why Commercial Truck Insurance Matters
For trucking businesses, insurance is a critical safeguard against financial risk. Proper coverage protects against bodily injury, property damage, and liability claims that can disrupt operations. Specialized options like errors and omissions (E&O) and general liability further shield companies from legal exposure.
Choosing the right insurance provider ensures that your policy matches your fleet size and operational needs, allowing you to focus on moving goods across the country.
