Trucking physical damage insurance.
Your tractor, trailer, and equipment are the operation. Physical damage covers them against collision and other losses, and the valuation and lender requirements are what matter most.
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What it protects
Physical damage covers your own equipment, the tractor, trailer, and attached gear, when it is damaged or stolen. For an owner-operator the truck is the livelihood, and for a fleet it is the largest capital asset, so getting the values right matters.
Valuation and lenders
How the equipment is valued, stated amount, actual cash value, agreed value, affects what you collect after a total loss, and lenders and lessors usually require physical damage at a stated value with them named. We line the coverage up with the loan or lease.
Downtime and the operation
A damaged truck is also lost income, so downtime or rental reimbursement coverage can matter alongside physical damage. We build the coverage around keeping the operation running, not just repairing the truck.
Common questions.
What does trucking physical damage cover?
How is my truck valued for physical damage?
Does my lender require physical damage?
Is this coverage right on your policy?
Tell us how you operate and we will check this coverage against your authority, cargo, and contracts. Educational, no obligation.
Protect the equipment and the income.
Tell us about your equipment and lenders and we will set the values and coverage right.