Types of Trucking Insurance

Liability: Liability insurance is required if you are a trucker. This insurance pays for any damage you cause with your truck. If you are in an accident, odds are you will cause damage to another vehicle, building etc. This insurance can pay for the other person's damages. 

Bobtail: Bobtail insurance is also known as deadhead or non-trucking liability. This insurance is not mandatory, but strongly suggested. Bobtail insurance can cover damage to your truck, including theft, when it is being serviced. 

Cargo: Some shipping companies will require you to have cargo insurance. Even if they don't, what would you do if your cargo was damaged or stolen? If you have cargo insurance, it could be covered. If you don't, you will be responsible for it. You can't be with your cargo all the time, so insure it for your peace of mind. 

Physical Damage: Liability insurance covers someone else if there is damage. But if there is damage to your truck, physical damage insurance covers your truck. If you are in an accident, you want your truck covered. This insurance can also cover you in case your truck is stolen or if there is flood damage.