Most fleet owners assume their physical damage policy covers whatever trailer their drivers are pulling. It doesn't. Non-owned trailer exposure is one of the most overlooked gaps in commercial trucking coverage — and it often goes unnoticed until a claim gets denied.
Last-mile trucking runs on tight margins and high stop counts — and the insurance policies most fleets carry weren't written for it. This post breaks down the specific coverage gaps that hit last-mile operations hardest and what to do about them before a claim forces the conversation.
A reefer breakdown mid-haul can wipe out a load worth tens of thousands of dollars in hours. Here's what your motor truck cargo policy covers, where coverage stops, and what claims actually require to get paid.
When you're hauling a high-value partial load, the cargo coverage question isn't just "how much" — it's how your policy handles mixed freight, undeclared value, and competing liability when a claim hits. This post breaks down why partial loads increase claims complexity and what your motor truck cargo policy actually needs to say.
Lumper fees and warehouse damage incidents raise liability questions that most motor truck cargo policies don't answer clearly. This post breaks down who is responsible when freight is damaged during unloading, how the care/custody/control trigger works at the dock, and where your coverage may stop short.
Ghost trucking scams are growing fast, and legitimate carriers often pay the price. Learn how fake fleets operate, why authorities get flagged, and how to protect your trucking business before damage is done.
Reviewed by Cameron Pechia, Founder, WA Insurance License 71186Last reviewed: 3/18/2026 Key takeaway Yes, a stolen truck can be used in a crime, and when it is, your insurer will treat the claim as both a theft loss and a…
Starting a trucking company means more than buying a truck and booking loads. These trucking insurance requirements explain exactly what new carriers must have in place to activate authority and stay compliant from day one.
Getting a DOT number is easy. Getting insured fast enough to start hauling is where most new operators get stuck. This guide breaks down exactly how to secure trucking insurance quickly with a brand-new DOT number and avoid delays that can cost you loads and contracts.
Winter weather doesn’t just slow trucks down, it drives up claims, losses, and insurance scrutiny. This guide explains how winter conditions impact trucking insurance claims, where fleets get caught off guard, and how to reduce preventable losses before snow and ice hit your routes.