Empty miles may not generate revenue, but they still generate risk. Insurance carriers evaluate non-revenue miles just as closely as loaded ones, and ignoring that exposure can impact premiums, claims, and renewals.
Two fleets can run the same trucks on the same lanes and still pay very different insurance premiums. Here’s why trucking insurance rates vary and what fleet owners can control to lower risk and cost.
Reviewed by Cameron Pechia, Founder, WA Insurance License 71186Last reviewed: 3/18/2026 Key Takeaway: Cargo theft is often pictured as organized crime hitting parked trucks at truck stops. That risk is real. But another threat is growing quietly inside trucking operations.…
Buying a commercial truck with financing almost always requires proof of insurance first. This guide explains exactly how to insure a truck before you buy it, what lenders look for, and how to avoid delays that can kill the deal.
Two MC numbers can mean two sets of coverage gaps. If your fleet runs a carrier authority and a broker authority — or two carrier authorities for separate divisions — your insurance probably isn't built to handle it. Here's what breaks, and how to fix it before a claim exposes the seams.
Temperature excursions are one of the most disputed cargo loss scenarios in trucking insurance. When a reefer malfunctions or a load arrives out of spec, insurers look hard at documentation before paying. Here's what fleet owners need to know to protect their claim from the start.
Running multi-stop delivery routes means your liability exposure resets at every door. Most cargo policies aren't built for that. This post breaks down where coverage gaps appear on milk runs, LTL loops, and local distribution routes — and what to do about it before a claim forces the conversation.
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.
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.