Commercial Truck Insurance in North Carolina
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Commercial Truck Insurance in North Carolina
What is commercial truck insurance?
The weight and size of commercial trucks can make any accidents that these vehicles are in especially severe. Commercial truck insurance may offer North Carolina businesses more robust protections for any trucks that they operate.
Commercial truck insurance is tailored for insuring commercially registered trucks. Policies typically come with limit and coverage adjustments that take into account the weight and size of trucks.


What businesses in North Carolina need to have commercial trucking insurance?
Most North Carolina businesses that have commercially registered trucks need commercial trucking insurance. Insurance is normally required by state, and sometimes federal, law.
This broadly applies to a variety of businesses that might own or operate trucks. For example, policies are frequently purchased by:
- Freight companies using tractor-trailers, reefers, tankers, and other large trucks
- Construction crews using lowboys, dump trucks, or other specialized trucks
- Contractors using heavy-duty pickups, straight trucks, and work vans
- Movers using straight trucks and tractor-trailers
- Farmers using heavy-duty pickups and delivery trucks
- Bakeries and breweries using straight trucks and other delivery trucks
- Nonprofit organizations using box trucks for delivering furniture, meals, etc.
- Fire departments using fire trucks
Many trucks can be insured with a fairly standard commercial trucking policy. Some trucks, such as reefers, tankers, dump trucks, and similarly specialized equipment, may require a more specialized policy. An insurance agent who knows commercial trucking policies well can help determine which type of policy would be best for a particular truck.
What protections are typically included in commercial trucking policies?
Some of the coverages found in commercial trucking policies are also found in other vehicle insurance policies, but there are others more specific to larger trucks. Each one is usually adapted for the weight and size of the trucks being insured.
The list of protections that might be available through a commercial trucking policy includes:
- Physical Damage Coverage: Could cover the insured trucks against damage.
- Interchange Coverage: Could cover any non-owned trailers against damage.
- Trailer Cargo Coverage: Could cover loaded cargo against damage or loss.
- Liability Coverage: Could cover accidents where an insured truck is involved.
- Bobtail Coverage: Could cover tractors when they aren’t hooked up to a trailer.
- Downtime Coverage: Could cover trucks when they’re parked while idling, loading, and unloading.
- Non-Trucking Coverage: Could cover trucks when they’re used for personal purposes.
- Uninsured/Underinsured Motorist Coverage: Could cover accidents involving an uninsured or underinsured driver.
Non-trucking coverage can be particularly important for drivers who bring a truck to and from their personal residence. It might provide protection if they stop somewhere on the way home, take the truck when going out, or use the truck for another non-work reason.
An insurance agent specializing in commercial trucking insurance can help businesses select the coverages that they should carry.
Can commercial trucking policies insure any type of cargo?
The cargo loaded into a truck or trailer can almost certainly be insured so long as it’s legal. Specific cargos, such as high-value electronic goods, hazardous materials, and live animals, might require more specialized cargo coverage. This, too, is something that a highly knowledgeable agent can assist with.

How much do businesses pay to insure their trucks?
The cost of insuring commercial trucks varies, as premiums are based on numerous different factors. For example, the following typically impact insurance cost:
- Number of trucks being insured
- Class, weight, and size of trucks
- Year, make, and model of trucks
- Class, weight, and value of cargos
- Drivers’ licenses, endorsements, and records
- Any recent vehicle insurance claims
To find out how much insuring specific trucks will be, businesses can shop around with an independent agent. An independent agent can compare commercial trucking insurance quotes from several companies that underwrite these policies.

How can North Carolina businesses obtain commercial truck insurance?
If you need help insuring commercial trucks that are registered in North Carolina, contact the independent insurance agents at Laurie Insurance Group. Our agents will work with you to determine coverage needs, and then we’ll make sure you find a commercial truck insurance policy that meets those specific needs well. Together, we can ensure that your trucks are well-protected on the road

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