Safenet Insurance Group writes commercial trucking insurance across North Carolina for owner-operators, fleets, and trucking companies. Long-haul, regional, hot-shot, box truck, dump truck, tow, refrigerated, flatbed, and specialty hauling â we have markets for all of it. Call (336) 280-4606 or quote online.
Core Trucking Coverages
- Primary liability â required by federal law. Minimum FMCSA limits are $750,000 for general freight, $1M for hazmat-exempt commodities, and $5M for hazmat. Most shippers require $1M minimum.
- Physical damage â covers your tractor, trailer, and equipment for collision, comprehensive, fire, theft, and vandalism
- Motor truck cargo â covers freight you’re hauling against damage, loss, or theft. Typical limits $100,000â$250,000.
- Trailer interchange â covers trailers you pull that aren’t titled to your business
- Non-trucking liability (bobtail) â covers you when driving the tractor without a load on personal time
- General liability â covers premises and operations exposures at your terminal or yard
- MCS-90 endorsement â federal financial responsibility endorsement required for interstate trucking
- Workers’ compensation â required in NC for trucking operations with 3+ employees
Operations We Insure
- Long-haul over-the-road (48 state)
- Regional and local pickup/delivery
- Hot-shot and expedited freight
- Box truck and straight truck operations
- Dump trucks and aggregate hauling
- Tow operations â wheel lift, flatbed, heavy duty
- Refrigerated and food-grade transport
- Flatbed and specialty hauling
- Auto haulers
- Owner-operators leased to motor carriers
What Affects Trucking Premium
- Radius of operation (local vs. regional vs. long-haul)
- Commodities hauled (general, hazmat, perishable, autos)
- Truck value, year, and equipment
- Driver age, CDL experience, MVR (motor vehicle record)
- Loss history (the biggest factor for established operations)
- Power unit count and revenue
- FMCSA safety scores (CSA / SMS)
- Filing requirements (DOT, MC numbers, state filings)
Why Independent Matters for Trucking
Trucking is one of the most class-driven insurance markets. The right carrier for your operation depends on your radius, commodities, driver mix, and loss history. We have access to specialty trucking carriers and program markets â many of which captive agents cannot write. We shop your application to the carrier most likely to approve at the best rate.
Frequently Asked Questions
What are the federal minimum trucking liability limits?
$750,000 for general freight, $1M for non-hazardous chemicals, and $5M for hazmat. Most shippers and brokers require $1M minimum regardless of commodity.
Do I need cargo insurance?
Most shippers and brokers require it â typical contractual minimums are $100,000 in cargo coverage. The cost is small compared to the cost of one denied freight claim.
Can you file my MCS-90 and state filings?
Yes. We handle MCS-90, state filings, and FMCSA insurance filings as part of our normal trucking service.
How do CSA scores affect my premium?
CSA / SMS scores in BASIC categories (Unsafe Driving, HOS Compliance, Vehicle Maintenance, Crash Indicator, etc.) directly affect underwriting. High scores can push you out of standard markets into specialty carriers at higher rates. Clean scores save thousands per year.
Get a Commercial Trucking Quote
Call Safenet Insurance Group at (336) 280-4606 or request a quote online. We’ll review your operation, equipment, drivers, and loss history and shop multiple trucking markets.