Everything You Need to Know About Commercial Truck Insurance in 2025
In 2025, commercial truck insurance remains a critical investment for businesses that rely on transportation. Whether you're an independent owner-operator or managing a fleet, the right policy protects your trucks, cargo, and business from costly accidents, theft, and legal liabilities. What Does It Cover? Commercial truck insurance typically includes liability coverage, physical damage protection, cargo insurance, and uninsured motorist coverage. Depending on your operation, you may also need bobtail insurance, non-trucking liability, or trailer interchange coverage. Who Needs It? If you're using a vehicle for business—whether it’s long-haul freight, local deliveries, or equipment transport—you’re required by law to carry commercial insurance. The FMCSA mandates minimum coverage, but many businesses choose additional protection to safeguard their investment. What’s New in 2025? Insurance providers are adapting to industry changes with AI-based risk assessment , telemat...