Licensed in the 48 continental states, Alaska and Washington D.C.. Specialists in fleets of three or more trucks.
Clear answers on coverage, quotes, lowering premiums and large fleet programs from an independent truck insurance agency licensed in 49 states.
Get a quoteCommercial trucking insurance is a group of policies that protects motor carriers, fleets and owner operators. It usually combines primary auto liability, physical damage, motor truck cargo, general liability and workers compensation or occupational accident coverage.
Have your USDOT number, driver list with license details, vehicle list with VINs, radius of operation, commodities hauled and loss runs for the last three to five years ready. Submit one application to Prestige and an agent compares A rated carriers on your behalf.
Motor carrier liability insurance, also called primary auto liability, pays for injuries and property damage your trucks cause to others. Interstate for hire carriers must show minimum financial responsibility to the FMCSA, and many shippers and brokers ask for higher limits.
Interstate carriers generally need an active USDOT number, operating authority when hauling for hire, and proof of liability coverage filed with the FMCSA. Required limits depend on what you haul, so confirm your filing needs with an agent.
Prestige specializes in fleets of three or more trucks. Owner operators who are growing toward a fleet can still request a review, and an agent will explain which markets fit the operation.
| Coverage | What it protects | Who usually needs it |
|---|---|---|
| Primary auto liability | Injury and property damage you cause to others | Every motor carrier; required for FMCSA filings |
| Physical damage | Your own trucks and trailers | Owners of financed or high value equipment |
| Motor truck cargo | Freight in your care | For hire carriers hauling client freight |
| General liability | Non driving business claims | Carriers with yards, shops or shipper contracts |
| Excess or umbrella | Losses above primary limits | Large fleets and contracts with high limits |
| Workers comp or occupational accident | Employee or contractor injuries | Fleets with employed drivers or leased owner operators |
Carriers price risk. The steps below help show underwriters a safer, well documented operation. Savings are not guaranteed and depend on each carrier and operation.
Underwriters review your SAFER snapshot and CSA BASIC scores. Clean inspections, timely corrections of violations and filing DataQs challenges for inaccurate records can improve how carriers view your risk.
Telematics and forward facing cameras give underwriters evidence of safe driving and can help defend against disputed claims. Some carriers credit fleets that share this data.
Written hiring criteria, MVR reviews, experience minimums and documented training show carriers that you manage driver risk.
Raising physical damage or cargo deductibles can lower premium. Choose a deductible your cash flow can absorb after a loss.
Accurate radius, commodities and garaging locations prevent paying for exposure you do not have, and avoid gaps at claim time.
Gaps in coverage and frequent small claims raise rates. Report claims properly and review loss runs before renewal.
Prestige specializes in fleets of three or more trucks. Growing and enterprise fleets get a specialized fleet insurance broker focused on scalable programs.
One relationship for liability, physical damage, cargo, general liability, excess and workers compensation across every unit.
Access to excess and umbrella markets for fleets whose contracts call for limits above primary liability.
Review of safety scores, driver programs and loss trends ahead of renewal, so your submission tells a complete story.
A service team that helps your staff report claims and follow them with the carrier.
As an independent agency, Prestige works with many A rated carriers and markets your account to those that fit your operation.
Commercial trucking insurance is a group of policies that protects motor carriers, fleets and owner operators. It usually combines primary auto liability, physical damage, motor truck cargo, general liability and workers compensation or occupational accident coverage.
Have your USDOT number, driver list with license details, vehicle list with VINs, radius of operation, commodities hauled and loss runs for the last three to five years ready. Submit one application to Prestige and an agent compares A rated carriers on your behalf.
Motor carrier liability insurance, also called primary auto liability, pays for injuries and property damage your trucks cause to others. Interstate for hire carriers must show minimum financial responsibility to the FMCSA, and many shippers and brokers ask for higher limits.
Interstate carriers generally need an active USDOT number, operating authority when hauling for hire, and proof of liability coverage filed with the FMCSA. Required limits depend on what you haul, so confirm your filing needs with an agent.
Prestige specializes in fleets of three or more trucks. Owner operators who are growing toward a fleet can still request a review, and an agent will explain which markets fit the operation.
Improve FMCSA safety scores, use telematics and dashcams, apply strict driver hiring standards, choose deductibles you can absorb, describe your operations accurately and keep continuous coverage. Results vary by carrier and operation.
Often, yes. A higher physical damage or cargo deductible usually lowers premium, but you pay more out of pocket after a claim, so set it at a level your business can cover.
Large fleets look for access to many carriers, high limit and excess markets, risk management support before renewal and a responsive claims team. Prestige focuses on fleets of three or more trucks.
This guide is general information, not legal advice or a coverage offer. Coverage is subject to carrier underwriting and policy terms.
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