Commercial Trucking Insurance That Keeps Your Business Moving

Whether you’re running local lanes, port work, or interstate routes, Alliance Insurance offers nationwide commercial trucking coverage designed to keep your business on the road. With tailored policies for fleets and owner-operators, we protect your vehicles, your cargo, and your livelihood.

Why Carriers Need Commercial Truck Insurance and Trailer Insurance

Trucking comes with more than tight schedules and long miles – it comes with real risks:

High crash frequency on congested corridors and port approaches.
Cargo theft and vandalism at lots and overnight parking.
Flash flooding and severe storms that sideline tractors and trailers.
Uninsured and underinsured motorists that create unpaid losses.
Contract penalties and lost revenue when a unit is down.

Without the right truck and trailer insurance, a single crash can lead to thousands in repairs, medical bills, lawsuits, or even losing your authority to operate. That’s why every carrier, whether local or interstate, needs insurance for commercial truck operations built for the real risks of the road.

Coverage for Every Truck and Trailer You Run

Your policy is built around the units you actually run, with options for multi-state operations. We cover the following truck and trailer types:

Trucks

Semi tractors
Dump trucks
Flatbed trucks
Box trucks
Tank trucks
Garbage trucks
Front-loaders
Tractors

Trailers

Dry freight trailers
Reefer trailers
Flatbed trailers
Lowboy trailers
Logger trailers

If it rolls, hauls, or moves freight, we can insure it and, if needed, set up financing with low down payments and fast approvals, including no down payment commercial truck insurance programs when you qualify.

What Our Commercial Trucking Insurance Covers

Know what is protected before the rig rolls:

Primary auto liability to meet FMCSA and contract requirements.
Physical damage for tractors and scheduled trailers.
Motor truck cargo with limits and commodities set to shipper needs.
Trailer interchange for non-owned trailers moved under contract.
Non-owned trailer physical damage when no interchange agreement exists.
Non-trucking liability (bobtail) for off-dispatch exposure.
Uninsured and underinsured motorist coverage.
Medical payments
Reefer breakdown when hauling temperature-controlled loads.
Filings and endorsements such as MCS-90 and BMC-91X as required.

Policies are built to your radius, commodities, garaging, and driver mix. Every business is different, so we customize your Commercial Trucking Insurance, to match your fleet size, vehicle types, and the way you work.

Why More Businesses Trust Alliance Insurance for Commercial Truck Coverage

Fed up with insurance companies that disappear after you pay your premium, delay your claims, or force you to fight for every repair?

Too many business owners get stuck with confusing policies, rising premiums, and claims that seem to drag on forever. The worst part? You only find out how exposed you really are when your trucks are already off the road and money’s flying out the door.

Many carriers start by searching for commercial truck insurance companies near me, but finding a name on a search page isn’t enough, you need a partner you can rely on when a claim hits.

Alliance Insurance provides that level of dependable support:

Fast commercial truck insurance quotes so your tractors and trailers aren’t idle
Flexible financing with a lender network, down payments as low as 10%, and approvals often within a day.
Access to trucking carriers including Northland, Canal, Columbia, Navigators, and SIC for competitive terms.
Coverage built to contracts: primary liability, physical damage, motor truck cargo, trailer interchange, non-owned trailer, UM/UIM, reefer breakdown, and required limits by commodity.
Filings and certificates handled: MCS-90, BMC-91X, and same-day COIs for shippers and brokers.
Local expertise in Miami, Hialeah, and Fort Lauderdale, with options for multi-state operations when lanes expand.
Claims support that stays with you from first notice to payout, plus renewals planned ahead to avoid last-minute surprises.

Don’t Let One Accident Shut Down Your Business

You’ve worked too hard to let a crash, cargo loss, theft, or lawsuit put your business in the red. Get a Commercial Trucking Insurance quote today and see how affordable real protection can be. With Alliance Insurance, your vehicles, your cargo, and your contracts stay protected, so your business keeps moving forward.

Commercial Trucking Insurance – Frequently Asked Questions

How much is Commercial Trucking Insurance?

Most for-hire interstate carriers must meet FMCSA liability minimums, typically $750,000 to $1,000,000, along with any shipper-required cargo limits. Contracts often call for filings such as MCS-90 and BMC-91X. These commercial truck insurance requirements apply whether you need commercial truck and trailer insurance, semi truck and trailer insurance, or general insurance for commercial truck operations.

What are the basic commercial truck insurance requirements?

Does Commercial Trucking Insurance cover storms and floods?

Physical damage can cover wind and storm losses. Flood protection may require specific terms. Cargo policies handle storm-related losses depending on wording and exclusions. Always review deductibles and exclusions carefully.

What factors affect the cost the most?

Garaging ZIP and region of operation
Radius of operation and routes (ports, urban corridors, etc.)
Driver experience, MVRs, and safety record
Tractor/trailer type and values
Commodity class and required cargo limits
Loss history and DOT safety scores

Deductibles and endorsements selected

Can new authorities qualify for affordable commercial truck insurance?

Yes. Even new ventures can get coverage, though rates are usually higher in the first 12–24 months. Underwriters look at driver experience, CDL years, and safety programs. Shopping multiple commercial truck insurance companies and comparing commercial truck insurance quotes is the best way to secure affordable commercial truck insurance when you’re just starting out.

How fast can coverage be set up?

Straightforward risks can often bind same day once unit schedules, driver lists, and filings are submitted. Financing approvals may be completed within hours.

Are financing options available?

Yes. Many providers offer monthly installments or no down payment commercial truck insurance when you meet underwriting guidelines. These options make it easier to keep policies active and maintain cheap commercial truck insurance without compromising essential coverage.

What is motor truck cargo insurance and how much do carriers buy?

It covers the load being hauled. Common limits are $100,000 for general freight, with higher limits for commodities like electronics, alcohol, pharmaceuticals, or autos. Certain loads may require higher deductibles or special terms

What’s the difference between trailer interchange and non-owned trailer coverage under semi truck and trailer insurance?

Trailer interchange covers non-owned trailers under a written interchange agreement. Non-owned trailer coverage applies when you haul a trailer without such an agreement. Both options, available within semi truck and trailer insurance or broader truck and trailer insurance policies, protect equipment you don’t own but are responsible for while in transit.

Do filings come with policies from commercial truck insurance companies near me?

Yes. Most reputable commercial truck insurance companies include required filings such as MCS-90 and BMC-91X, plus intrastate filings when needed. When you search for ‘commercial truck insurance near me’, confirm that the provider handles these filings before dispatch to avoid costly delays.

What Our Clients Have To Say

Alliance Insurance Group

5.0

Based on 75 reviews

review us on

OC Transports LLC

23:05 22 Aug 25

I was in a very stressful situation. My insurance is due for renewal tomorrow and another insurance agency denied me after sending them almost a 10k wire for a down payment. They waited until 4:50pm on a Friday to tell me. I called Sonia and she got on it right away. She got me a quote that was fair and sent my documents right away meaning no lapse in insurance and I can continue running my trucks. I am so appreciative of her hard work and I can finally take a breath now. Thank you soooooo much Sonia.

Krysta Craan

02:46 08 Aug 25

Always an amazing experience! The team is so friendly, patient, and truly cares about helping you. They made everything easy to understand, and the rates are unbeatable. I’d 100% recommend them to anyone looking for insurance!

Demahni Hammitt

18:40 06 May 25

I was in a really tight situation with my insurance. For five years, I had been with an agent who I later found out was scamming me. I was frustrated and unsure of what to do next. I reached out to Sonia at Alliance last minute, and she came through for me in the best way possible. She got me a great quote and had everything reinstated in less than 24 hours with no overlapping issues at all. I’m beyond grateful for her professionalism and quick action. Thank you so much, Sonia! I will always continue doing business with you.

April Groover

22:27 05 Mar 25

I don't know how to put it into words to describe this group of people. If I had to use one word, I'll chose "AMAZING". I want to thank you all for making my situation easy and being the best team I've ever worked with. Juan & Sonia thank you two from the bottom of my family's hearts. my bad experience I encountered you guys made me feel hope and now I have the full faith again to push once more. Just know you all made a difference in my life and the lives of others.

Eduardo Gonzalez

22:32 27 Jan 25

I have dealt with many insurance agents in the past and it was very challenging to deal with them. I am not going to mention them by name, but the service I received in the past was horrendous with Agent not answering Phone calls or agents wanting to only communicate through text message Dealing with trucking insurance is complicated enough not to mention to have to deal with Insurance agent that don’t want to deal with certain situations with you, but I have to admit I found alliance Truck insurance CORP to be the Best experience I have ever had with insurance agents. They really care about the service that they provide to you. You call them and they answer their phones. They will talk to you through the whole process. And try to get you the best rates possible through this process I dealt with Sonia, which was fantastic I highly recommend speaking with her. I also dealt with Juan. Excellent give them a call. You will not regret it.

Abdullah Alhatemi

23:35 09 Jan 25

I couldn’t be more satisfied with the commercial truck insurance service I received. The team was incredibly helpful in customizing a policy that perfectly suited my business needs. They made the entire process seamless, from explaining all the options to offering competitive rates. The coverage is comprehensive, and I feel secure knowing that my fleet is well-protected. The customer service is top-notch, always responsive and ready to assist with any questions. Highly recommend them to any business owner looking for reliable and affordable truck insurance!

Sonia, thank you and your team for your support!

Haulzall

23:16 09 Jan 25

Dwayne Plass

23:14 30 Jul 24

giancarlo avila

14:09 21 Jul 24

I recently had the pleasure of working with Alliance Trucking Insurance Corp and was thoroughly impressed by their exceptional service and comprehensive coverage options. From the start, their knowledgeable and responsive team took the time to understand my business needs and provided tailored solutions. Their transparency and honesty, with no hidden fees or unexpected charges, instilled great confidence in their services. Additionally, the claims process was remarkably efficient and hassle-free, allowing my business to get back on the road quickly after an incident.

Alliance Trucking Insurance Corp offers competitive rates without compromising on quality. Their commitment to continuous improvement and staying updated with industry trends ensures that clients receive the most relevant and effective coverage. I highly recommend Alliance Trucking Insurance Corp to any trucking business seeking reliable and trustworthy insurance solutions.

C&J Outlets LLC

21:17 10 Jul 24

Mitzy Pulley

23:30 16 Jun 24

Excellent service and 💯 % recommended, I was looking for sure and were the only ones who helped me, especially Sonia.. Thank you 🙏

Jirau Boat life

18:22 12 Jun 24

Sonia is been since i started my first business she is professional and always there for you she takes care of her customers

Rocky Banks

12:26 12 Jun 24

I appreciate the service I was given from the team, Sonia Alvarez & Armando. They were hands on & very helpful with finding me commercial auto insurance. I appreciate and thank u guys for helping with getting me the right insurance.

Troy's Hauling

16:56 09 Jun 24

Mark

16:43 09 Jun 24

Sonia did a phenomenal job working with me and found me the best rates. Great communication and execution the whole way through. Juan and the rest of the team helped out as well and made this a very simple and stress free process. Thank you all!

Myriam Garcia

00:03 09 Jun 24

Miguel Alvarrz

21:55 08 Jun 24

Maite Martinez Cid

01:38 06 Jun 24

Alliance has top notch service along with very affordable options. Best experience I’ve ever had. They have won a loyal customer

Goat Danny

18:57 03 Jun 24

Their dedication to customer satisfaction, industry expertise, comprehensive coverage options, competitive pricing, and efficient claims handling make them the perfect choice for any trucking business. If you are looking for reliable and top-notch trucking insurance, look no further than Alliance Insurance Company. They truly go above and beyond to protect and support your business. 5 Star thank you so much.

miamivipservices

18:53 03 Jun 24

What impressed me the most was the comprehensive coverage options they offered. Whether it was liability, cargo, or physical damage coverage, Alliance Trucking Insurance had it all. They provided clear explanations of each policy, ensuring I understood the benefits and could make an informed decision. The flexibility in their plans allowed me to choose the coverage that best suited my business requirements and budget. Thank you Sonia.

Richard Mullin

22:18 28 May 24

We recieved exceptional service and expertise from Armando! We were thoroughly impressed with the time and effort he took to find us an excellent deal that met our needs. He broke down the quote in detail, offering personalized guidance on where we could save money without compromising on essential coverage. His reassuring answers to our questions and constant communication throughout the process made us feel confident and supported. Armando truly went above and beyond to ensure we felt informed and protected. Highly recommend his services - 5 stars isn't enough!

Luca Antonaccio

17:54 26 May 24

Great service experience! The team is knowledgeable and provides great recommendations. Thanks for the help!

George Utset

21:26 24 May 24

Carolina Gil

16:51 24 May 24

I have known the owner for over 15 years and they area awesome to work with. Responsible and fats with all our needs. Thank for a good service over the years.

Lenz Gutie

16:40 24 May 24

Excelent company

Maria Jimenez

13:36 24 May 24

AllianceTrucking Insurance Corp has been a great company to work with. Their rates are very good and low. The service is fast, great customer service.

E Crespo

11:12 24 May 24

Great knowledgeable and friendly service.

Zahira

01:23 24 May 24

Highly recommend Sonia, she is the best! 10 stars!

Karina Bencomo

01:14 24 May 24

Sonia is my go to! Such an amazing agent

Yanelis Morales

00:54 24 May 24

I recommend them one hundred percent, all the staff is very professional in their work, attentive, responsible, especially Sonia and Armando….!!!!

The11191964

00:39 24 May 24

Great service!!!! And professional service

George Diaz

00:16 24 May 24

Amazing service!! Armando is always there to help!! Very responsive, very professional! Highly recommended and will continue doing business here 🙏

stefanie sunar

20:45 22 May 24

Thank you Sonia at Alliance Trucking Insurance. Great service and professionalism will be recommending to others.

Tyson Harris

02:14 22 May 24

I was given the best quote available for me in a timely manner. I will definitely recommend Alliance

Maria Fernandez

23:00 21 May 24

I received great service and the staff made me feel like family. Great price

Ruben Acosta

22:50 21 May 24

Highly recommended and very professional staff

R X

22:36 21 May 24

Exceptional service is the least to say for this company. The staff here will carefully and meticulous attend to all the details and requirements that you have. They will keep their word and follow up with you on a timely manner. All this while trying to get you the best rates and policies available. They will go beyond just getting you a quick quote. They will ensure to make sure the insurance company takes into consideration every possible discount that they can offer.
This is definitely The Agency for all your insurance needs. Perfect service all the time.

Carlos Nazir

22:20 21 May 24

Juan Leon

21:01 21 May 24

If you're seeking an insurance agency that goes above and beyond to meet your needs, look no further than Alliance Insurance Agency. From the moment you walk through their doors, you're greeted by a team of friendly and welcoming staff who are dedicated to providing exceptional service. Their genuine warmth and professionalism set the tone for a positive experience from start to finish.

Alliance Insurance prides itself on its ability to handle all of your insurance needs with ease and expertise. Whether you're looking for coverage for your home, vehicle, business, or anything in between, their knowledgeable team is equipped to assist you every step of the way. No matter how complex your insurance requirements may be, you can trust Alliance to find the perfect solution for you at lightning speed.

Ethic Designer

17:11 09 May 24

Candelaria Bello

15:36 29 Apr 24

Excellent company and excellent service for anyone who needs insurance, for me they have 5 stars and Sonia 5 more, thank you

Sergio Uri

20:59 27 Mar 24

A game changer on commercial vehicle insurance.Thank you!

Chuck Brown

20:31 19 Mar 24

This place is amazing. They gave me a quote for my fleet account same day. The staff is extremely professional and courteous, not to mention easy on the eyes 😉. Highly recommend

Lazaro Rodriguez

19:47 19 Mar 24

Edward Guzman

21:21 13 Mar 24

Everyone was great, this company helped me a lot with my insurance, I recommend them, they are very attentive to everyone, thank you very much for your service and professionalism.

Danny ZionExtreme

05:28 07 Mar 24

Excellent Service I just got insurance for my trucks at the best price easy fast and affordable thanks guys.

Jamaal Riley

17:41 19 Feb 24

Anthony Cerezo

00:17 19 Feb 24

I’m not much for voicing my opinion on these platforms much less w/reviews but felt compelled to share the unique experience with this organization…. They will go out of their way to earn your business- Old School at its Finest !

samantha zelaya

00:12 19 Feb 24

Everytime we do business w/this Company it takes me back to when I was a kid and ate my favorite morning breakfast Sugar Frosted Flakes -
ton quote “Tony Tiger” its Grrrrreat !

Carla DeMarco

18:37 18 Feb 24

Great experience. Staff was very professional and helped with all my insurance needs. I highly recommend Alliance Insurance.

Santos Bencomo

18:18 18 Feb 24

Best insurance company to work with. Very helpful.

baby rusty

18:04 18 Feb 24

Alliance insurance is absolutely the place to go for all your insurance need, amazing customer service, and the best rated

Areas We Service

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Idaho

Illinois

Indiana

Iowa

Kansas

Louisiana

Maine

Maryland

Minnesota

Michigan

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Washington

West Virginia

Wisconsin

Wyoming