Physical damage for trucking companies
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
If your own tractor or trailer is wrecked, burned, stolen, or vandalized.
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)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for physical damage, by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the physical damage benchmark for trucking companies — same URL, real numbers.
Until then, see what trucking companies need state by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · all states →
Stay informed
Coverage rules change.
We’ll send the updates that affect your business.