Trucking businesses face unique risks that go far beyond standard auto insurance. From accidents involving large vehicles, to cargo damage, downtime losses, and strict DOT compliance requirements, the stakes are high. Specialized trucking insurance ensures that your vehicles, drivers, and freight are fully protected. It also safeguards your company against lawsuits, medical costs, and property damage, so you can stay focused on running your business without unexpected financial setbacks.
At NIS, we provide a wide range of trucking insurance solutions tailored to your operation’s size and needs. These include:
Primary Liability Insurance – Meets federal and state requirements, protecting you against damage or injury caused by your trucks.
Physical Damage Coverage – Repairs or replaces your vehicles in case of collision, theft, or vandalism.
Motor Truck Cargo Insurance – Protects the goods you haul, whether it’s building materials, electronics, or perishable items.
Workers’ Compensation Insurance – Covers your drivers and staff in case of work-related injuries.
General Liability Insurance – Provides extra protection for accidents not directly involving the truck.
This combination creates a safety net designed specifically for the trucking industry.
Insurance isn’t just a safety measure—it’s a legal requirement for operating in the trucking industry. The Federal Motor Carrier Safety Administration (FMCSA) requires motor carriers to carry minimum liability coverage, and failing to comply can result in heavy fines, shutdowns, or loss of operating authority. NIS ensures that your policies meet all federal and state guidelines, so you stay compliant with DOT regulations, protect your USDOT number, and keep your trucks on the road without interruptions.
Absolutely. Whether you operate a single truck or manage a fleet, NIS has flexible solutions for businesses of every size. Owner-operators often face higher risks since one accident could threaten their entire livelihood. That’s why we tailor affordable packages that protect both your vehicle and your income. For small fleets, we design scalable plans that grow with your business, giving you the protection you need without overwhelming your budg
Your drivers are the backbone of your business, and their safety matters. With the right insurance, drivers are covered for medical expenses if injured on the job, protected from liability in accidents, and supported in case of cargo disputes. This not only provides peace of mind but also helps retain skilled drivers who know they’re working for a company that values their well-being.