Directors and Officers Liability for Trucking Companies
Personal asset protection for owners, officers and board members making management decisions.
Directors & Officers insurance for trucking fleets in 50 states
D&O insurance protects directors and officers personally against claims arising from management decisions.
Prestige Trucking Insurance places directors & officers coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
Management decisions create personal exposure
Claims against directors and officers come from investors, lenders, competitors, regulators and former partners. They allege breach of duty, misrepresentation in a financing, or mismanagement, and they name individuals rather than only the company.
Private trucking companies with outside investors, acquisitive growth plans or a formal board carry this exposure whether or not they buy coverage. D&O pays defense and settlement so personal assets are not the funding source.
Ownership changes are the trigger event
Bringing on an investor, buying another fleet or adding a board seat changes your D&O exposure immediately. Review the program before the transaction closes, not at the next renewal.
855-643-3881How a private company D&O program is built
Side A protection
Responds for individuals when the company cannot indemnify them, the core personal shield.
Entity coverage
Answers claims naming the company alongside its officers in the same action.
Prior acts
Retroactive date handling so past decisions are not silently excluded at the first renewal.
Defense counsel choice
Panel counsel terms reviewed before binding, because who defends you matters.
Which policy responds to the allegation
| Scenario | General liability or EPLI | Directors and officers |
|---|---|---|
| Investor alleges misrepresentation | Not covered | Covered |
| Former employee alleges wrongful firing | EPLI | Usually excluded, EPLI responds |
| Lender claims breach of duty | Not covered | Covered |
Questions motor carriers ask
Do private trucking companies need D&O insurance?
Privately held carriers with outside investors, lenders with covenants, a formal board or acquisition plans carry real exposure. Family owned fleets with none of those often prioritize other coverage first.
Is D&O the same as EPLI?
No. D&O covers management decision claims against directors and officers. EPLI covers employment related claims from staff. Many private company programs bundle both under management liability.
Who is protected by a D&O policy?
Directors, officers and often managers acting in their company roles, and in many forms the entity itself. Call 855-643-3881 to review your ownership structure with a specialist.
Review My Management Liability
Tell us about your ownership and board structure and we will map the exposure.
Fleets of three or more power units across the 50 states we are licensed in.
Directors & Officers coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending directors & officers limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs directors & officers coverage?
Directors & Officers coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
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