InsureMart Inc. | Commercial Truck Insurance Experts | Las Vegas, Nevada

If you own or operate a trucking business, securing the right insurance isn’t just smart, it’s required by law. With so many options, carriers, and policy types, how do you know which trucking insurance is right for your operation?

In this post, we’ll break down everything you need to know to stay protected and stay on the road, without overpaying.

✅ What Is Trucking Insurance?

Trucking insurance is a group of commercial coverages designed to protect your business, drivers, and equipment. Whether you’re an owner-operator or manage a multi-unit fleet, you’ll need different types of coverage based on your operation.

Common coverages include:
– Primary Auto Liability (Required by FMCSA for interstate carriers)
– Motor Truck Cargo Insurance (Covers the freight you haul)
– Physical Damage (Protects your truck from collision, fire, or theft)
– Non-Trucking Liability (NTL) (Covers you when you’re off dispatch)
– Occupational Accident (Worker protection if you don’t carry full workers’ comp)

📝 What Coverage Does FMCSA Require?

If you have an MC Number, the Federal Motor Carrier Safety Administration (FMCSA) requires you to carry:
– $750,000 to $1,000,000 in primary liability (depending on freight type)
– Valid BMC-91 or BMC-91X filing
– Proof of insurance on file for DOT activation

💡 How to Lower Your Trucking Insurance Premiums

Here are tips to help reduce costs without sacrificing coverage:
1. Keep a Clean MVR: Drivers with violations = higher rates.
2. Update Your Vehicle List: Remove older or unused trucks.
3. Pay Attention to Radius: The farther you drive, the more you pay.
4. Bundle Coverages: Packaging your policies (liability, cargo, NTL) with one carrier can lead to discounts.
5. Ask About Escrow Options: Some carriers offer monthly billing with low down payments.

💬 Need help reviewing your policy or getting quotes from multiple carriers like Progressive, Great West, or Great American? Our licensed agents can help.

📋 Must-Have Documents for a Fast Quote

Before you call for a quote, have these ready:
– DOT/MC Number and EIN
– Last 3 years of loss runs
– Truck VINs and driver info
– IFTA reports (especially for long haul)

🛠️ We Insure Trucking from Start to Finish

At InsureMart, we specialize in commercial truck insurance for:
– New ventures and startups
– Owner-operators
– Hot shot and car haulers
– Box trucks and final mile delivery
– Reefer, flatbed, and dry van fleets

With deep knowledge of state and federal filing requirements, fast certs, and tailored coverage options, we’re your preferred partner for protection along every mile.

📞 Get a Fast, No-Pressure Quote

Give us a call (702) 795-1777 to speak with a licensed agent.
We’re based in Las Vegas, Nevada, but serve truckers nationwide.