Long-Haul (OTR) Trucking
Built for interstate motor carriers managing dry vans, refrigerated units (reefers), and flatbeds across nationwide lanes.
Operational Risk Profile
Interstate motor carriers operate under extreme regulatory scrutiny governed by the FMCSA and DOT. Extended transit times and high-speed highway environments amplify the severity of collisions and bodily injury claims. Additionally, OTR fleets face significant financial exposures related to targeted cargo theft, temperature-control failures (reefer breakdown), and catastrophic physical damage to high-value tractors and trailers.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
Primary Commercial Auto Liability
Statutorily mandated high-limit liability to cover third-party bodily injury and property damage resulting from over-the-road collisions.
Motor Truck Cargo
Broad-form protection against the loss, damage, or theft of freight while in transit, including specialized endorsements for refrigeration breakdown.
Physical Damage (Comprehensive & Collision)
Necessary to fund the repair or replacement of capital equipment (tractors and trailers) damaged in accidents, fires, or severe weather events.
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