The right protection for your journey. We shop the entire market to get you the best coverage at the best price.
Finding the right trucking insurance can feel complicated and expensive, especially when you're new. At Next Level Trucking Solutions, we work with every major insurance company that will quote a trucking business. This means we shop the entire market for you, ensuring you get the best possible price and coverage, whether you're a first-day owner-operator or a seasoned fleet owner.
This is the mandatory, non-negotiable coverage you must have to get your FMCSA authority.
Other people and their property. If you cause an accident, it covers the other party's bodily injury and vehicle/property damage.
The FMCSA requires a minimum amount (e.g., $750,000 for general freight). You cannot legally operate your authority without active liability insurance on file.
This is collision and comprehensive coverage for your own truck.
Your truck and trailer from damage, whether from an accident, theft, fire, vandalism, or weather (like hail).
If your truck is financed, your lender will require this. It's what keeps you from facing a total loss if your rig is wrecked or stolen.
This covers the load you are hauling.
Your customer's goods against damage or theft while in your possession. Different cargo types (general freight, refrigerated, specialized) have different risks and costs.
Most brokers and shippers require you to have this before they offer you a load. Not having it severely limits your freight options.
Crucial for owner-operators who are leased to a motor carrier.
You when you are driving your truck without a trailer or for personal use (bobtail) or while under dispatch for the carrier you're leased to (non-trucking liability).
Your carrier's insurance only covers you when you are on an active haul for them. This policy fills the gap to protect you during personal time or while deadheading.
This covers business risks that happen off the truck.
Your business from claims of bodily injury or property damage that aren't from a vehicle accident. Examples include a visitor slipping at your office, or you damaging a client's property while loading/unloading.
It's a foundational business policy that protects assets your auto policy doesn't.
Required by most states if you have employees.
Your employees (and you, if you choose to cover yourself) if they get injured or sick from work. It covers medical bills and a portion of lost wages.
Even if you're a solo owner-operator with no employees, you should understand it for when you grow. Penalties for not having it when required are severe.
Insurance isn't one-size-fits-all. A new owner-operator with one truck needs a very different policy and price than a 10-truck fleet. Companies specialize in different risk profiles.
That’s exactly where our service makes the difference. We don't work for one insurance company—we work for you. By working with the entire market, we: