What insurance does a trucking business need? (2026)
Most trucking operations carry a stack of commercial-insurance lines — some legally required (typically workers' compensation when you have employees), most commonly carried because clients, landlords, lenders, or regulators expect them. Below: the lines that bureau filings most often cite for trucking operations. Confirm what's legally required vs commonly carried with a licensed agent in your state — requirements vary state by state.
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Insurance requirements for other industries
Browse the typical insurance coverage stack for other verticals. Each links to that industry's standalone requirements page.
| Business activity |
|---|
| Bulk mail truck transportation, contract, local |
| Container trucking services, local |
| General freight trucking, local |
| Motor freight carrier, general, local |
| Transfer (trucking) services, general freight, local |
| Trucking, general freight, local |