Trucking Insurance

Protect Your Truck. Secure Your Cargo. Keep Your Business Moving.

Your truck is more than a vehicle — it’s your livelihood. Whether you’re an owner-operator, running a small fleet, or expanding your trucking business, the right insurance is essential for compliance, safety, and profitability.

At EZNY Brokerage Inc., we provide fast, affordable, and reliable trucking insurance with coverage options customized to the way you operate.

Why Choose EZNY Brokerage for Trucking Insurance?

Access to multiple A-rated trucking insurance carriers
Same-day quotes, binding, and COIs
Affordable premiums for new ventures & experienced drivers
Specialized protection for dry van, reefer, hotshot, flatbed & power-only
Personalized support from trucking insurance experts
Dedicated help with broker, dispatcher & shipper requirements

Comprehensive Coverage Options for Truckers

Below are the most essential coverages every trucking business needs. Designed to be clean, detailed, and easy for your website visitors to understand.

Auto Liability (Primary Liability)

Required by FMCSA for all motor carriers.
Covers:

Bodily injury to others
Damage to someone else’s property
Defense costs in case of lawsuits
Notes:
Most brokers/shippers require $1 Million liability
Required to activate your MC Authority

Physical Damage Insurance (Comprehensive & Collision)

Protects your truck and trailer — essential for keeping your business running. Covers:

Accidents & collisions
Theft & vandalism
Fire, storms, falling objects
Damage while parked

Deductibles:

Usually $1,000 – $5,000, adjustable based on preference.

Motor Truck Cargo Insurance (Cargo Coverage)

Protects the freight you haul from loss or damage. Covers:

Theft of cargo
Damage during transit
Reefer spoilage (optional)
Loading/unloading incidents

Requirements:

Most brokers require $100,000 cargo limit (higher limits available).

Non-Trucking Liability (Bobtail Insurance)

Access to multiple A-rated carriers.
Same-day quotes, binding, and certificates of insurance.
Competitive pricing and bundled savings.
Industry-specific expertise and compliance support.
NYC-based brokerage with personalized service.

Truckers General Liability (GL)

Business protection beyond your truck’s operation.Covers:

Customer property damage
Loading dock incidents
Delivery-related accidents
Premises liability

Required by many shippers, warehouses, and brokers.

Occupational Accident (OccAcc)

Affordable protection for 1099 drivers — alternative to Workers’ Comp.Covers:
- Medical expenses from job-related injuries
- Accidental death benefits
- Disability benefits
- Lost wages
Ideal for leased-on owner-operators.

Workers’ Compensation

Required for businesses with W-2 employees.Covers:

Job-related injuries
Medical costs & rehab
Disability benefits
Lost wages

Essential for fleets with drivers, warehouse staff, or mechanics.

Trailer Interchange Coverage

Protects non-owned trailers under a trailer interchange agreement.Covers:
- Collision
- Fire
- Theft
- Vandalism
Required for drop-and-hook operations.

Reefer Breakdown Coverage

For refrigerated units hauling temperature-sensitive goods.
Covers:

Reefer unit mechanical failure
Temperature loss
Spoilage of perishable cargo

Important for produce, meats, frozen foods & pharmaceuticals.

Excess / Umbrella Liability

Provides additional coverage above your base liability limits.

Why it matters:

High-value lawsuits
Major accidents
Broker & shipper requirements

Often required for contracts with large companies.

Equipment & Tools Coverage

For essential trucking equipment such as:

Tarps
Chains
Straps
Dollies
Electronic equipment

Helps replace damaged or stolen items.

Downtime & Rental Reimbursement

Keeps your business going when your truck is in the shop.Covers:

Daily income during repairs
Rental truck expenses

Helps maintain cash flow during unexpected downtime.

Who We Insure

Owner-Operators (with or without authority)
Small & Growing Fleets
Dry Van, Reefer, Flatbed, Box Trucks
Hotshot & Power-Only
Local & Long-Haul Trucking
New Ventures & First-Year CDL Drivers