Trucking Insurance in Des Moines, IA by The Insurance Specialists Inc. – commercial truck on highway at sunset

Protect Your Business with Trucking Insurance

As a truck business owner, you know the road is full of risks—and even one unexpected incident can derail operations and drain your finances.

Having the right commercial truck insurance isn’t just a legal necessity; it’s a vital layer of protection for your livelihood.

Our specialized trucking insurance plans are designed to help you recover quickly from the unexpected. With coverage tailored to your operation, you can stay focused on driving your business forward—no matter what the road throws your way.

Coverage typically protects against:

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    Collisions and accidents

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    Cargo theft or loss

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    Vehicle breakdowns

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    Weather-related damage

From single trucks to entire fleets, commercial truck insurance ensures your vehicles stay protected, your cargo stays covered, and your bottom line stays intact.

We proudly provide trucking insurance in Des Moines, IA and nearby areas—so you can count on local expertise and fast support when it matters most.

Ready to protect your trucking business? Get a quote today from The Insurance Specialists Inc.

Custom Coverage Solutions for Your Trucking Business

At The Insurance Specialists Inc., we understand that no two trucking operations are alike.

That’s why we partner with top-rated insurers to provide flexible, cost-effective commercial truck insurance policies that fit the unique needs of your business.

Whether you operate a single rig or manage an entire fleet, we offer customized coverage options to help safeguard your vehicles, cargo, and day-to-day operations:

  • Primary Liability Coverage – Required by law, this covers expenses if your truck causes bodily injury or property damage to others.

  • Physical Damage Insurance – Covers repair or replacement costs for your vehicle after an accident, regardless of fault.

  • Motor Truck Cargo Insurance – Protects the goods you’re hauling from theft, fire, or damage during transport.

  • Non-Trucking Liability Coverage – Offers protection when using your truck for personal, non-business purposes.

  • Motor Truck General Liability – Covers off-road incidents like accidents during loading, unloading, or other business-related activities.

  • 24/7 Roadside Assistance – Delivers around-the-clock support for breakdowns, towing, and unexpected issues while on the road.

These customizable policies are backed by responsive service and expert guidance—so whether you’re just getting started or managing a growing fleet, you’ll have confidence in your coverage every mile of the way.

Why Choose The Insurance Specialists, Inc.

Finding the right coverage for your trucking business is essential. Here’s what sets us apart:

Industry Expertise

Our team brings deep knowledge of the trucking industry, offering guidance to help you navigate the specific risks your business encounters.

Customizable Coverage Options

We provide adaptable insurance plans, designed to cater specifically to the requirements of your trucks, cargo, and daily operations.

Competitive and Fair Pricing

We collaborate with a variety of well-established providers, ensuring you get affordable insurance options without sacrificing quality.

Trusted Partnerships

Our connections with leading insurers provide you with stable, reliable coverage that grows with your business.

Trucking Insurance FAQ

We understand that trucking insurance can be complex, so we’ve answered some of the most common questions to help you navigate your coverage options. Whether you’re an owner-operator or managing a fleet, these FAQs will guide you through the essentials with ease.

Trucking insurance is designed to safeguard trucking companies and independent drivers from various risks associated with operating large commercial trucks. It offers financial protection against accidents, property damage, cargo loss, and liability claims.

Most trucking insurance policies offer coverage for third-party liability (in case you’re at fault for injuries or damages), protection for your vehicle, cargo insurance to safeguard goods, and non-business-use liability for personal trips.

Yes, trucking insurance is mandatory under state and federal laws. Minimum coverage levels are set by authorities like the FMCSA to ensure trucks on the road are protected against liability and potential damages.

Insurance premiums depend on a variety of elements, such as the size of your truck, the type of cargo you haul, how far you travel, the driver’s safety record, and the trucking company’s history of claims. Where you operate and your routes also play a role.

Bobtail insurance applies when a truck is operating without a trailer, often after finishing a delivery. Non-trucking liability, however, provides protection for incidents that happen when the vehicle is used for personal or non-business-related activities.

Operating without adequate trucking insurance can result in significant penalties, including hefty fines, potential lawsuits, and the risk of losing your operating license. Additionally, you would be financially responsible for covering damages from accidents, which could strain or even ruin your business.

Yes, many insurers offer discounts if you maintain a strong safety record, have drivers with clean driving histories, or equip your trucks with modern safety technologies. Combining different types of insurance with the same provider can also result in savings.

Yes, certain things may not be covered, such as intentional damage, certain types of high-risk or valuable cargo, and personal use unless non-trucking liability is included. It’s vital to understand the exclusions in your policy.

If you need to file a claim, contact your insurance provider as soon as possible. You’ll likely need to provide accident reports, photos, and relevant documentation. Each company may have a different process, so be sure to follow their specific steps.

Our Other Commercial Insurance Services

Discover our selection of customized commercial insurance solutions crafted to address the varying needs of business owners. Click the links below to explore each service and identify the coverage that aligns best with your business requirements.

  • Contractors’ General Liability Insurance: Protect your business from financial risks associated with third-party claims, including bodily injury, property damage, and legal costs.

  • Commercial Auto Insurance: Get essential coverage for your business vehicles, safeguarding them from accidents, theft, and other risks on the road.

  • Commercial General Liability Insurance: Protect your company from a variety of potential issues, such as third-party claims involving injuries, damage to property, and related legal fees, helping your business stay secure in the face of unexpected situations.

  • Business Owner Insurance: Combine property and liability coverage in a comprehensive policy designed specifically for small and medium-sized businesses.

  • Bonds: Secure surety bonds for your business to guarantee the completion of projects and compliance with regulations.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

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