618-657-7525

Transportation Insurance

Affordable insurance starts with an easy quote

Product

Location

5.0

Based on 158 reviews

Get a quote

Transportation insurance helps protect you from point A to point B.

Understanding Transportation Insurance

Transportation Insurance is a critical commercial suite designed for businesses that move people or property. Whether you operate a trucking fleet, a limousine service, or a last-mile delivery van, this coverage ensures your vehicles, cargo, and business assets are protected against the high risks of the road. It bridges the gap between standard auto policies and the complex federal requirements for motor carriers.

The “Risk Reality”: The High Cost of the Road

The trucking and transportation industry is litigious. A single accident involving a heavy commercial vehicle can result in nuclear verdicts. According to the American Transportation Research Institute (ATRI), insurance premiums are rising due to increased repair costs and litigation, making it the highest operational cost after fuel and driver wages. Without adequate liability limits, one bad accident could force you to surrender your DOT number and close your doors.

Transportation Insurance Coverage

We build policies that keep you compliant with FMCSA and state regulations.

What is Covered

Auto Liability: Covers bodily injury and property damage you cause to others in an accident.

Physical Damage: Pays to repair or replace your vehicle after a collision, fire, or theft.

Motor Truck Cargo: Protects the freight you are hauling against damage or theft.

General Liability: Covers business operations outside of driving (e.g., slip and fall at your terminal).

What is NOT Covered (Exclusions)

Wear and Tear: Mechanical breakdowns are not covered (requires mechanical breakdown insurance).

Excluded Goods: High-value items like jewelry or art may be excluded from standard cargo policies without a rider.

The “Dream” Difference: Standard vs. Comprehensive

Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.

Coverage Feature	Standard Commercial Auto	Transportation Package
Liability (Accident)	✔ Covered	✔ Covered
Cargo Damage	✖ Excluded	✔ Covered
Reefer Breakdown	✖ Excluded	✔ Covered (Endorsement)
Trailer Interchange	✖ Excluded	✔ Covered

Request Quote

Transportation Insurance Cost

“How much does transportation insurance cost?” Rates vary wildly based on vehicle weight, cargo type, and radius.

Cost Estimates: Per truck, primary liability can range from $5,000 to $15,000+ annually for new authorities, according to market data.
Factors: Hauling hazardous materials or operating in high-traffic states like New York or Florida increases premiums significantly.
Discounts: Using ELDs (Electronic Logging Devices) and dash cams can sometimes earn discounts with safety-focused carriers.

The “Independent Difference”: Why Dream Assurance?

Don’t let a bad filing ground your fleet. “Independent Means Multiple Choices.”

Specialty Markets: We access carriers like Northland, Canal, and Great West that understand trucking.
Fast Filings: We process federal (BMC-91X) and state filings instantly to prevent authority revocation.
Driver Management: Our agents can help you pre-screen drivers to ensure they meet carrier guidelines before you hire them.

Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.

Dream Assurance

5.0

Based on 158 reviews

review us on

Leslie Franke

2 months ago

Addison was great he was able to match me with the exact insurance policy that I needed at a cost I can afford!!!

Alex D

2 months ago

The insight was unmatched by any other insurance company. I’ll be using them for all my insurance needs.

G Clark

2 months ago

I’ve had a fantastic experience with Dream Assurance. From the very beginning, Kurtis made the process of choosing a plan straightforward and stress-free.

Robert Anderson

2 months ago

If you’re looking for real people that handles your needs fast then dream assurance is the way to go. Micheal Moran is probably the best insurance agent I’ve ever had. No matter the time or day, he finds a way to respond back. Not to mention we’re in two different time zones and he works like we’re in the same state. I wish I could give them more stars. Forgot to mention they’ll beat any insurance rates you find!!!

Ready to protect your fleet? Let our agents shop 30+ carriers for you. Get a Free Quote.
Secure your operations with our specialized business insurance solutions.

Request Quote

Frequently Asked Questions

What is the difference between bobtail and non-trucking liability?

Non-Trucking Liability (NTL) covers you when you are using the truck for personal reasons. Bobtail covers you when you are driving the truck without a trailer, regardless of purpose (often required by leased owner-operators).

Does my policy cover me across state lines?

If you have interstate authority and the correct filings, yes. However, you must declare your “radius of operation” accurately to ensure coverage in all zones.

Do I need trailer interchange coverage?

If you haul trailers that you do not own (e.g., under a trailer interchange agreement), yes. Standard Physical Damage only covers trailers you own.

What affects my trucking insurance rates the most?

Driver safety records (MVRs), your credit score, cargo type, and your “safety rating” with the FMCSA are the biggest factors.

How much liability coverage do I need?

The FMCSA mandates a minimum of $750,000 for general freight. However, most shippers and brokers require $1,000,000 to do business with them.

Coverage Guidance That Meets You Where You Are

Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.

If you’re comparing insurance options or reassessing your current coverage, we’ll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.