Physical damage for trucking companies

Coverage

What it covers for trucking companies

First-party coverage for the carrier's own equipment — collision, vandalism, fire, and theft damage to the insured's vehicles — applied in trucking to tractors and trailers, where the liability filings that protect others pay nothing for your own iron. Tractors and trailers are six-figure revenue assets; a wreck or theft idles the unit and the income with it.

Sources: NAIC — Glossary of Insurance Terms (auto physical damage) (retrieved 2026-06-06)

By state

Physical damage by state

What trucking companies need varies by state. See the full guide for trucking companies in your state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · all states →