Insurance Blog
Helpful guides about truck, auto, and business insurance for owner-operators and small fleets.
Commercial Truck Insurance: Complete Guide for Owner-Operators [2026]
Everything you need to know about commercial truck insurance: types of coverage, average costs, required minimums, and how to save up to $4,000/year by comparing carriers.
Insurance for New Authority Carriers: What You Need to Know [2026]
Getting truck insurance with a new MC authority is challenging. Learn which carriers insure new authorities, expected costs, and how to get coverage fast.
What Happens If Your Truck Insurance Lapses for Even 1 Day
A single day without truck insurance can trigger BMC-91 cancellation, automatic MC revocation, and FMCSA penalties. Learn the exact timeline and how to prevent gaps.
10 Insurance Mistakes That Can Destroy Your Trucking Business
From wrong cargo coverage to unlisted drivers — these 10 common insurance mistakes cost truckers thousands and can shut down your business overnight.
Cargo Insurance: What Happens When Your Load Gets Damaged or Stolen
Step-by-step guide for filing a cargo damage or theft claim. Learn what cargo insurance covers, the claim process timeline, and how to protect yourself from denied claims.
How Your CSA Scores Secretly Raise Your Insurance Rates
Insurance companies check your CSA scores before every quote. Learn which BASICs matter most, how violations raise rates, and how improving CSA saves $2K-$5K/year.
Bobtail vs Non-Trucking Liability: Which One Do You Actually Need?
Bobtail and Non-Trucking Liability are NOT the same. This comparison explains when each applies, coverage differences, costs, and which one your situation requires.
What to Do in the First 30 Minutes After a Truck Accident
An emergency guide for truckers: the exact steps to take in the first 30 minutes after a truck accident to protect yourself legally, medically, and financially.
How to Switch Truck Insurance Without Coverage Gaps
Step-by-step guide to switching truck insurance carriers without any coverage gap. Learn the timeline, BMC-91 re-filing process, and how to avoid cancellation penalties.
ELD and Telematics: How They Lower Your Insurance by $2,000
ELD and telematics devices can save truckers $1,000-$2,000/year on insurance. Learn which carriers offer discounts, how data sharing works, and privacy concerns.
Understanding Your Truck Insurance Policy: What's Actually Covered
A plain-language guide to reading your truck insurance policy. Understand deductibles, coverage limits, exclusions, endorsements, and your declarations page.
Fleet Insurance vs Individual Policies: Cost Comparison for 2-10 Trucks
Should you get a fleet policy or insure each truck separately? This cost comparison shows the break-even point, per-truck savings, and which option is best for 2-10 trucks.