Trucking Insurance
Coverages

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What Commercial Truck Insurance Do You Need?

That’s the question every trucking business has to answer—and getting it right matters. As a trusted partner of the Nevada Trucking Association, IronPoint Insurance Services helps you sort through the options and build coverage that actually fits your operation. From Auto Liability and Cargo to Physical Damage and General Liability, we focus on protecting your trucks, your business, and the work you depend on every day—without overcomplicating the process.

Commercial Auto Liability

Commercial Auto Liability is the backbone of any trucking operation. It’s required for most trucks on the road and responds when you’re responsible for injuries or damage to others. Coverage typically includes bodily injury, property damage, medical payments, and uninsured motorist protection. We shop leading trucking carriers to match your operation with coverage that performs when it counts.

Physical Damage Coverage

Physical Damage coverage protects your truck, not just your liability. It helps pay to repair or replace your rig if it’s damaged by collision, theft, fire, vandalism, or other covered events. Coverage typically includes collision and comprehensive protection, with options that can be tailored to how your equipment is used and valued—so you’re not left covering the loss out of pocket.

Cargo Coverage

Motor Truck Cargo coverage protects the freight you’re hauling. It helps cover your legal liability for damage to a customer’s goods caused by collision, fire, theft, or other covered events while in transit. Coverage can be tailored to the type of commodities you haul and the limits required—so a single loss doesn’t turn into a major financial hit.

General Liability

General Liability coverage fills the gaps beyond the road. It protects your business against claims for bodily injury or property damage that happen off the highway—like at a job site, loading dock, or your place of business. Coverage typically includes premises liability, operations, and completed work exposures—so everyday risks don’t turn into costly setbacks.

Excess Policy

Excess Liability provides an added layer of protection above your core policies. It increases your limits over coverages like auto liability and general liability when a serious claim exceeds your primary policy. Designed for larger losses, it helps protect your business from the kind of claims that can threaten everything you’ve built.