Our Specialty
Trucking & Transport Insurance
Freight haulers, sand and gravel operators, dump trucks, and fleet owners — Knox Insurance has been insuring the trucking industry for over four decades. We specialize in the coverage motor carriers actually need to stay on the road, compliant, and protected.
40+
Years insuring truckers
Who We Insure
Coverage for Every Hauling Operation
Sand & Gravel
Dump Trucks
Freight & Dry Van
Flatbed Haulers
Owner-Operators
Fleet Operations
Our Core Specialty
Sand, Gravel & Dump Truck Insurance
This is where Knox Insurance started in trucking, and it's still our strongest area of expertise. We know the unique risks of aggregate hauling — from quarry operations and job site exposures to overweight loads and equipment damage from harsh working conditions.
Competitive rates from carriers who specialize in sand, gravel, and aggregate hauling
Liability and physical damage coverage for on-site operations at quarries, pits, and construction sites
Cargo coverage specifically designed for bulk materials — sand, gravel, dirt, rock, asphalt, and concrete
Physical damage policies that account for the wear and tear of off-road and heavy-haul environments
Fleet programs that scale from a single dump truck to large multi-unit operations
Coverage for end-dump, belly-dump, transfer trucks, and super dumps
40+
Years insuring sand & gravel haulers
20+
Carrier partners for trucking
15+
States covered
200+
Trucking clients protected
Coverage Highlights
Essential Coverages for Trucking Operations
Commercial trucking insurance isn't one policy — it's a combination of coverages tailored to your operation, cargo type, and authority requirements.
Primary Auto Liability
The foundation of every trucking policy. Covers bodily injury and property damage you cause to others in an accident. FMCSA requires minimum limits of $750,000 to $5 million depending on cargo type. Most operations should carry higher limits for full protection.
Physical Damage
Comprehensive and collision coverage for your trucks, trailers, and dump bodies. Protects your equipment against accidents, theft, fire, vandalism, and natural disasters. Critical for sand and gravel operators working in harsh conditions.
Motor Truck Cargo
Covers loss or damage to the freight you haul during transit. Whether you carry sand, gravel, aggregate, building materials, or general freight, cargo coverage protects you from financial liability when something goes wrong on the road or at a job site.
Bobtail & Non-Trucking Liability
Coverage for owner-operators when driving without a trailer or operating outside of dispatch. Essential protection for independent truckers leased to a motor carrier who still need coverage between loads.
General Liability
Covers third-party injury and property damage claims that happen off the road — at loading docks, job sites, quarries, or your business yard. Many shippers, brokers, and general contractors require this before doing business with you.
Trailer Interchange
Protects trailers you don't own that are in your possession under a trailer interchange agreement. Common in freight operations where multiple carriers share trailer responsibilities.
Uninsured / Underinsured Motorist
Covers injuries and damages when an at-fault driver has insufficient or no insurance. Protects you and your passengers from paying out of pocket when someone else causes the accident.
Occupational Accident
Provides injury and disability coverage for independent contractors and owner-operators who aren't covered under traditional workers' compensation. Covers medical expenses, disability benefits, and accidental death.
Downtime / Loss of Income
Reimburses lost revenue when your truck is out of service after a covered accident. Helps cover loan payments, lease costs, and lost hauling income while your equipment is being repaired — especially important for owner-operators.
Hired & Non-Owned Auto
Liability coverage for vehicles you borrow, lease, hire, or rent for business use. Covers both bodily injury and property damage for temporary trucks or trailers in your operation.
Workers' Compensation
Required in most states if you employ drivers, mechanics, or dispatchers. Covers medical expenses and lost wages for employees injured on the job. We can bundle this with your trucking policy for simplified management.
Umbrella / Excess Liability
Additional liability limits above your primary auto and general liability policies. Increasingly required by brokers and shippers, and essential for protecting your business against large verdicts in trucking accident lawsuits.
Compliance
FMCSA Insurance Requirements
The Federal Motor Carrier Safety Administration sets minimum insurance requirements for all interstate carriers. Your required limits depend on your cargo type and vehicle weight.
Minimum Liability by Cargo Type
General freight (non-hazardous)
$750,000
Sand, gravel & aggregate
$750,000
Household goods
$750,000
Oil (hazardous)
$1,000,000
Other hazardous materials
$5,000,000
Required Filings
Form BMC-91 or BMC-91X — proof of public liability insurance filed with FMCSA
Form BOC-3 — designation of process agents in each state where you operate
Form MCS-90 — endorsement for financial responsibility required for interstate carriers
Cargo insurance proof may be required depending on authority type and cargo
New carriers must complete an 18-month safety monitoring period
We handle FMCSA filings for our trucking clients. When your policy is bound, we coordinate the required insurance filings so your authority stays active and compliant.
Freight Operations
General Freight & For-Hire Carriers
Whether you're running dry van, flatbed, or specialized freight, we build insurance programs that match your authority, your lanes, and your cargo.
Dry Van & Box Truck
Coverage for general freight carriers hauling packaged goods, palletized cargo, and consumer products. Liability, physical damage, and cargo coverage tailored to enclosed trailer operations.
Flatbed & Heavy Haul
Specialized coverage for flatbed operators hauling steel, lumber, machinery, and oversized loads. Includes cargo coverage for load securement liability and job site delivery exposures.
Intermodal & Container
Coverage for carriers working with rail and port operations. Includes trailer interchange, container chassis liability, and cargo coverage for intermodal freight movements.
New Venture Carriers
Starting a new trucking company? We work with carriers that write new ventures and help you get the coverage you need to activate your MC authority and get your first loads.
Owner-Operator Programs
Independent truckers leased to motor carriers need bobtail, non-trucking liability, and physical damage coverage. We find competitive rates for owner-operators across all cargo types.
Multi-Truck Fleets
Fleet programs from 2 trucks to 100+. Volume pricing, fleet safety discounts, and consolidated billing across all your units. One policy, one renewal, one point of contact.
Why Knox for Trucking Insurance?
Trucking is our specialty — not a side line. We've been insuring motor carriers since 1980 and understand the coverage, compliance, and carrier relationships that keep your operation running.
Trucking-Focused Carriers
We work with carriers that specialize in commercial trucking — Great West, National Indemnity, Canal, Progressive Commercial, and others. Specialized carriers mean better coverage and better rates.
Sand & Gravel Expertise
Aggregate hauling is where we started in trucking. We know the class codes, the exposures, and the carriers who write dump trucks and material haulers at competitive rates.
FMCSA Compliance
We handle your insurance filings — BMC-91, BOC-3, and MCS-90 — so your authority stays active. When your policy renews or changes, we keep your filings current automatically.
Claims Advocacy
When an accident happens, we're in your corner. We help file the claim, communicate with the carrier, and work to minimize your downtime so you can get back on the road and earning.
Get Your Trucking Insurance Quote
Free quotes from multiple carriers. Whether you're hauling sand and gravel, running freight, or managing a fleet, we'll find the right coverage for your operation.