Downtime Coverage That Replaces Lost Revenue
A daily benefit while your unit sits out of service after a covered physical damage loss.
Downtime Coverage insurance for trucking fleets in 50 states
Pays a daily benefit while your truck is out of service due to a covered physical damage loss — replaces the revenue your unit would have earned.
Prestige Trucking Insurance places downtime coverage 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.
Repair time is the real cost of a crash
Physical damage pays to fix the truck. It does not pay for the loads that unit would have hauled while it waited on an adjuster, a parts order and a body shop slot. For a small fleet, that lost revenue is often larger than the repair invoice.
Downtime coverage pays a stated daily benefit for each day the unit is out of service, with no requirement to source a rental. It is the practical option when your equipment is specialized or rentals are scarce in your region.
Read the waiting period before you buy
A generous daily benefit with a long waiting period pays nothing on the repairs that happen most often. Match the waiting period to how long your typical repairs really take, using your own shop history.
855-643-3881Terms that decide whether it pays
Daily benefit
A stated amount per day of downtime, selected when the endorsement is written.
Waiting period
Benefits often begin after a set number of days, so a short repair may pay nothing.
Maximum days
A cap on total benefit days per loss and sometimes per policy term.
Covered peril trigger
Tied to a covered physical damage loss, not to breakdown, maintenance or a lack of freight.
What each policy pays after a crash
| Scenario | Physical damage | Downtime coverage |
|---|---|---|
| Repair of the tractor | Paid, less deductible | Not covered |
| Revenue while out of service | Not covered | Daily benefit up to the maximum |
| Truck sits waiting on parts | No payment for the delay | Benefit continues within policy limits |
Questions motor carriers ask
Does downtime coverage pay if I have no freight?
No. It responds only when the unit is out of service because of a covered physical damage loss, not because of a soft freight market.
Can I carry downtime and rental reimbursement together?
Sometimes, depending on the carrier and the forms. We compare both and explain where the coverage overlaps so you are not paying twice for the same day.
Who needs downtime coverage?
Owner-operators and small fleets where one truck out of service materially changes the month, and carriers with specialized equipment that cannot be rented. Call 855-643-3881.
Quote Downtime Protection
Tell us your average revenue per truck per day and we will size the benefit honestly.
Fleets of three or more power units across the 50 states we are licensed in.
Downtime Coverage 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 downtime coverage 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 downtime coverage coverage?
Downtime Coverage 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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