Commercial trucking insurance is one of the most complex lines of coverage available — and one of the most consequential. Federal and state regulations set minimum insurance requirements for commercial carriers, and requirements vary based on operation type, commodity hauled, and whether you operate intrastate or interstate. Always consult with a licensed agent to make sure your coverage meets all applicable requirements.
Lambert Insurance Group has been working with Ohio commercial vehicle operators since 1953. We access multiple specialty markets including through SIA of Northern Ohio to find options for a range of trucking operations.
What Coverages Are Typically Part of a Trucking Policy?
- Primary auto liability — covers third-party bodily injury and property damage
- Physical damage — collision and comprehensive coverage for your truck
- Motor truck cargo — covers the freight you're hauling
- Non-trucking / bobtail liability — coverage when you're not under dispatch
- Trailer interchange — covers non-owned trailers under a trailer interchange agreement
The right combination of coverages depends on your specific operation — speak with a licensed agent to make sure you have appropriate coverage in place.
What Factors Affect Commercial Trucking Premiums?
Trucking premiums vary significantly based on a number of factors including commodity hauled, radius of operation, driver MVR history, years of CDL experience, and prior loss history. There is no standard rate — every operation is evaluated individually.
Who We Work With
We work with owner-operators and fleet owners across Northeast Ohio and statewide. Whether you're based in Westlake, Mayfield, Cleveland, or anywhere in Ohio, call or text us to discuss your situation.
Ready to Explore Your Options?
As an independent agency, we shop multiple carriers on your behalf. Call or text us and we'll get back to you promptly.