Commercial truck insurance from an actual insurer.

Primary liability, cargo, physical damage, and more — with same-day quotes for owner-operators and fleets, and real people who answer the phone.

Start your free quote

2 Min

No obligation. Same-day coverage available.

Prefer to talk? Call (800) 726-8376

A+

BBB Rating

B++

AM Best Rating

5.0

800 Google Reviews

4.8

39 Trustpilot Reviews

States Licensed

About NITIC

Commercial Truck Insurance Quotes for All Types of Trucks

National Independent Truckers Insurance Company, RRG (NITIC) offers a full range of commercial trucking insurance coverage options, including Primary Liability, Physical Damage, Motor Truck Cargo, Non-Trucking Liability (Bobtail), and Short-Term or Temporary Insurance.

With hundreds of 5-star Google reviews and an A+ BBB rating, NITIC is your trusted source for commercial truck insurance. Our team has served commercial truckers for over 25 years with accurate, competitive quotes and expert service.

What We Cover

Commercial Trucks We Insure

We insure all types of commercial trucks for owner-operators and private carriers at competitive rates.

Box Truck Insurance

Comprehensive coverage for box and straight trucks – cargo, liability, physical damage, and more.

Hotshot Truck Insurance

Full coverage for time-sensitive hotshot carriers, with or without a CDL.

Box Truck Insurance

General liability, physical damage, and specialty coverage for dump truck operations.

Tow Truck Insurance

On hook, garage keepers, and liability coverages purpose-built for towing operations.

Owner Operator Insurance

Tailored policies for independent owner-operators on your own authority or under a motor carrier.

Semi Truck Insurance

Comprehensive tractor-trailer insurance for owner-operators, motor carriers, and private carriers.

Pickup Truck Insurance

Commercial pickup truck insurance for contractors, landscapers, plumbers, and tradespeople.

Private Carrier Insurance

Liability, physical damage, and cargo coverage for businesses transporting their own goods.

Motor Truck Cargo

Protect the freight you haul – coverage for loss, damage, and theft of cargo in transit.

Why NITIC

America's Trucking Insurance Specialists

National Independent Truckers Insurance Company, RRG (NITIC) is a commercial truck insurance company specializing in insuring independent owner-operators and small fleets. Licensed in 48 states, rated B++ by AM Best and A+ by the BBB.

A+

BBB Rating

Better Business Bureau

B++

AM Best Rated

Financial strength

25+

Years of Experience

Established 2000

States Licensed

Nationwide coverage

Simple Process

Get Covered in 4 Simple Steps

Getting a truck insurance quote is quick and easy.

Gather Your Information

Have your USDOT number, driver details, truck specs, cargo type, and coverage needs ready.

Request a Quote

Call (800) 726-8376, fill out our online form, or schedule a call at your convenience.

Review Your Options

We’ll present a tailored policy including liability, physical damage, cargo, and more.

Get Insured

Choose your policy and receive your Certificate of Insurance (COI) immediately.

Who We Serve

Who Needs Commercial Truck Insurance?

Trucking Companies

Businesses that own and operate commercial trucks for transporting goods or materials, locally or long-distance.

Owner-Operators

Independent truck drivers who own and operate their trucks independently or lease them to companies.

Freight Brokers

Companies that arrange transportation services between shippers and carriers, needing coverage against liability risks.

Fleet Owners

Companies that own and manage fleets of commercial trucks, including delivery and logistics businesses.

Specialized Trucking

Operations such as refrigerated transport, hazmat hauling, oversized loads, and flatbed trucking.

Contractors & Construction

Businesses in construction that use commercial trucks for hauling equipment, materials, or waste.

Insurance 101

What is Commercial Truck Insurance?

Commercial truck insurance is a specialized type of insurance tailored to businesses that operate trucks commercially. Whether you manage a delivery fleet, freight-hauling business, or any other truck-dependent enterprise, it protects your vehicles, drivers, and assets.

This insurance covers risks associated with commercial trucking, including accidents, property damage, and liability claims — bodily injury, property damage liability, collision coverage, comprehensive coverage, and protection against uninsured motorists.

At NITIC, with 25+ years of expertise, you can rest assured that your trucks and business are adequately protected against unforeseen challenges.

Built for the long haul

Coverage that keeps you rolling.

From your first load to a growing fleet, NITIC insures the way you actually run — with the coverages, filings, and service truckers count on.

Customer Reviews

What Our Clients Say

5.0 rating · 800 Google reviews

“Jamie Martinez Has To Be One Of The Best Customer Service Representatives I Have Dealt With In A While. Very Polite, Professional, And Very Knowledgeable. I Would Recommend Her Without Thinking About It!!”

Adam Elshazly

Google Review

“I Just Had The Best Experience! I Was Serviced By Tania Who Was Of An Amazing Assistance! She Worked Very Professional, Had A Lovely Attitude, And Was Very Proficient As Well As Effective In Helping Me!”

Saysha Gonzalez

Google Review

“Brett And Felipe Are Very Knowledgeable As It Relates To My Insurance Coverage And They Are Very Prompt In Answering Any Questions. The Service Is Up To Par And You Will Not Be Dissatisfied.

Tifroy Clarke

Google Review

“Brett Lewis Is The Agent That Assisted Me And He Is Absolutely Awesome. He Was Very Informative And Helpful. I Think I Have Found My New Home With Truckers Insurance.”

Ashley Hunter

Google Review

“I’ve Had Truck Insurance With National For About 5 Years Now And Find Their Customer Service Very Helpful And Friendly.”

Tim Trublehorn

Google Review

“Brett Was VERY RESPONSIVE And Got The Job Done. I Would Definitely Recommend This Company But Brett In Particular. Brett’s The Best.”

BJ & Son LLC

Google Review

Compliance

State & Federal Insurance Filings

Commercial truck filings prove that you have liability insurance to satisfy minimum federal and state requirements.

What are insurance filings?

Insurance filings are documents submitted to regulatory authorities to demonstrate compliance with insurance requirements. They include proof of insurance coverage and details about the insured entity. These filings ensure businesses and individuals meet legal obligations and maintain adequate insurance protection.

Federal vs State Filings – what's the difference?

Federal filings are submitted to agencies such as the FMCSA for interstate commerce regulations. State filings are submitted to state departments of motor vehicles or insurance regulators to comply with state-specific requirements, such as minimum liability coverage limits.

Who needs insurance filings?

Businesses and individuals involved in commercial activities requiring insurance — trucking companies, motor carriers, freight brokers, and entities engaged in interstate or intrastate commerce — need insurance filings.

How do I get filing?

Your insurance carrier can assist with filings once you have purchased the required coverage. Once documentation is complete, your insurer will handle the filing process on your behalf.

FAQ

Frequently Asked Questions

Common questions about commercial trucking insurance.

What is a commercial truck insurance policy?

A commercial truck insurance policy is a specialized insurance plan that protects businesses and owner-operators who use trucks for commercial purposes. It covers liability, physical damage, cargo, and more depending on your chosen coverages.

What does a commercial truck insurance cover?

It can cover primary liability, physical damage to your truck, motor truck cargo, non-trucking liability (bobtail), general liability, trailer interchange, and more. The exact coverage depends on the policy you choose.

Can I get a short-term insurance policy?

Yes! NITIC offers short-term and temporary truck insurance for operators who need coverage for a limited period. Contact us for details on available short-term options.

What type of damages are covered in commercial truck insurance?

Depending on your policy, covered damages may include collisions, theft, vandalism, fire, natural disasters (comprehensive), cargo damage or loss, and third-party bodily injury and property damage.

Why is some trucking insurance costly?

Trucking insurance premiums are influenced by factors like driving history, cargo type, operating radius, truck value, and coverage limits. High-risk cargo or poor driving records can increase costs.

Who requires commercial auto insurance?

Federal law (FMCSA) requires motor carriers to carry minimum liability insurance. State requirements vary. Owner-operators, fleets, and freight brokers all typically need some form of commercial truck insurance.

Get Started Today

Ready to Get Covered?

Same-day quotes. Expert service. Competitive rates. Protect your truck and your business today.

National Independent Truckers Insurance Company, RRG — specializing in commercial truck insurance for owner-operators and small fleets since 2000.

Company

Truck Types

Trusted & Accredited

A+ BBB Rating

5.0 — 800 Google Reviews