Protecting your business on the open road
Primary liability for the tractors and units you operate.
Motor-carrier auto liability is the first layer: bodily injury and property damage a driver causes with a commercial truck. Limits, FMCSA filings, and whether you run interstate or stay local in Illinois change both the rate and the paperwork. A personal auto policy does not follow a tractor.
Tap a point on the scene to learn more
The base trucking policy is the printed form. An endorsement is a taped-on change — adding coverage, taking it away, or renaming who is insured. Optional coverages ride along with the policy. Separate policies sit beside it.
Form names and availability vary by carrier. This is a map of add-ons we commonly shop in Illinois — not a promise that every company offers every item.
Base policy
Trucking policy
Hover an add-on to read it, then click to pin it here — a review list for your next conversation with an advisor.
Send this list to an advisor →We’ll open the contact form for this coverage so an advisor can help you decide which add-ons belong on the policy.
Cargo-theft guidance and coverage terms for Illinois motor carriers.
If your company operates commercial trucks, a standard auto policy usually is not enough. Commercial trucking insurance is built for heavier vehicles, higher severity claims, and the cargo you haul.
Trucks can cause more damage in a collision, which means higher potential medical and property costs. You also need protection for cargo loss or damage, downtime, and the contractual requirements shippers and brokers impose.
Underwriting looks at who drives your trucks, what you haul, how far you travel, and whether you cross state lines. Owner-operators, private fleets, and carriers under lease agreements each have different coverage needs—including bobtail, non-trucking liability, and motor truck cargo.
Your policy may need to support government filings and certificate requests that prove limits meet shipper or regulatory standards. Discounts are sometimes available for experienced CDL drivers and established operations.
We help you align liability, cargo, and physical damage with your authority and contracts. Request a trucking insurance quote to review options.
The same trucking policy add-ons from the explorer above, listed out. Form names and availability vary by carrier.
Endorsement
Shippers, brokers, and facilities named on auto liability.
Broker packets and shipper contracts ask for additional insured on auto, plus waiver of subrogation. Same rule as construction: the certificate follows the endorsement. Blanket AI helps when the customer list changes weekly.
Endorsement
Collision and comprehensive on a rented or borrowed truck.
Liability hired auto does not repair the tractor you rented to cover a breakdown. Hired physical damage (or the rental company’s waiver) does. We compare the endorsement limit to the rental units you actually use.
Endorsement
Public liability endorsement required for many motor carriers.
MCS-90 supports federal (and some Illinois) financial-responsibility filings. It is a public liability safety net, not extra cargo. Radius, GVW, and interstate vs intrastate change whether you need it. We do not treat it as optional once you are a for-hire motor carrier.
Endorsement
The freight in your custody — not the tractor itself.
Cargo is a separate coverage from commercial auto physical damage. Limits, commodities, and theft warranties (unattended truck, kingpin locks) decide claims. A Chicagoland motor carrier that hauls for brokers will be asked for a cargo limit before the first load tenders.
Endorsement
Liability when operating a tractor without a trailer, off dispatch.
Owner-operators often carry non-trucking liability for bobtail movements when not under the motor carrier’s dispatch. It is not a full commercial auto replacement and it does not cover hauling a load. Wrongly assuming the motor carrier’s policy follows the tractor is a common gap.
Endorsement
The geographic box the auto coverage is priced and limited to.
A 50-mile radius policy that regularly runs to Indiana or Wisconsin is a misclassified risk. Radius endorsements and territory symbols should match dispatch. Underwriting after a claim in another state is a bad time to discover the box you bought.
Endorsement
Cargo spoilage when the refrigeration unit fails.
Cargo forms often exclude spoilage unless the reefer unit itself has a sudden mechanical breakdown — and even then, maintenance records matter. A reefer-breakdown endorsement is how food haulers close that hole. A driver leaving the unit off is a different story.
Optional coverage
Your owned trailers, listed and valued.
Owned trailers need to be scheduled for physical damage. A tractor policy does not silently cover a reefer trailer sitting in the yard. Stated amount vs ACV matters after a hailstorm in a Chicagoland lot.
Endorsement
Physical damage for trailers you pull but do not own.
Interchange agreements make you responsible for the other company’s trailer. Trailer interchange is the endorsement that insures that trailer while in your possession. It is not cargo and it is not your scheduled trailer’s physical damage.
Speak with a local advisor who understands your coverage needs.
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