Smart Insurance for the Fleets That Keep Freight Moving

Motor Carrier Coverage for Trucking Businesses

Accidents happen, but having the right liability insurance ensures you’re prepared for the unexpected. At Taylor, Lord & Hughes, we provide comprehensive liability insurance solutions for individuals and businesses, helping you stay protected from financial losses related to accidents, injuries, or property damage.

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What Your Motor Carrier Policy Covers

Every trucking operation has its own risks, routes, and regulations. That’s why our commercial truck insurance offerings are built to meet the specific needs of your business—whether you’re a local carrier or running a multi-state fleet.

Primary Liability Coverage

A cornerstone of motor carrier insurance, this coverage meets both federal and state filing requirements for bodily injury and property damage caused during the operation of a commercial truck under your own authority.

Physical Damage Coverage

Essential in every commercial truck insurance policy, this covers collision, comprehensive, fire, theft, and vandalism-related damage to your truck and trailer—whether you’re on the road or parked overnight.

Cargo
Insurance

Designed for owner-operators and freight carriers, this coverage protects your cargo—from electronics to perishables—against damage, theft, or loss while in transit. Critical for maintaining compliance and trust with shippers.

Trailer Interchange Coverage

A specialized part of fleet truck insurance, this policy protects non-owned trailers under a trailer interchange agreement—ideal for motor carriers involved in drop-and-hook operations.

Multi-Truck & Fleet Operations

Designed for growing carriers, this scalable fleet truck insurance solution ensures consistent coverage across multiple units. Whether you're adding trucks or managing dozens, it adapts with your business.

Driver Coverage Options

Offers additional layers of protection including medical payments, occupational accident insurance, and uninsured/underinsured motorist coverage. These options support safer, more comprehensive trucking business insurance for both employees and independent contractors.

Benefits of Our Motor Carrier Coverage

At Wizard Insurance Services Inc., we understand the day-to-day realities of running a trucking business. From DOT compliance and filings to navigating multi-state operations, our team delivers insurance solutions that work with your workflow—not against it. We’ve supported motor carriers nationwide for over 28 years with competitive rates, A+ rated carriers, and a digital-first experience backed by personal service. Whether your trucks are based in California or crossing through multiple states, you’ll have a trusted partner who knows the ins and outs of motor carrier insurance and treats your business like it’s our own.