Oversize and heavy haul trucking carries exposures that standard trucking programs are not always built to handle. Overdimensional loads, permitted routes, escort vehicles, rigging, and high-value equipment each create risk that shows up in a different part of your insurance program. We help motor carriers, heavy haulers, riggers, and pilot car operators build coverage around the way they actually run.
Below are the coverages and services we work with most often. Each page explains what the coverage does, where it typically responds, and what to look for when reviewing your own program.
Liability Coverages
- Auto Liability Insurance — Primary liability protection for bodily injury and property damage arising out of the operation of your trucks and trailers.
- General Liability Insurance — Covers the gaps commercial auto leaves behind, including premises, operations, and completed operations exposures.
- Umbrella & Excess Liability Insurance — Additional limits above your underlying auto and general liability policies when a large loss exceeds them.
- Pollution Liability Insurance — Addresses pollution-related claims that standard auto and general liability policies typically exclude.
- Riggers Liability Insurance — Protection for property in your care while it is being lifted, rigged, moved, or set.
Cargo & Equipment Coverages
- Motor Truck Cargo Insurance — Coverage for the freight you haul, with limits and endorsements matched to oversize and high-value loads.
- Physical Damage Insurance — Covers your own tractors, trailers, and specialized equipment against collision, upset, fire, theft, and other losses.
Driver & Workforce Coverages
- Workers’ Compensation Insurance — Medical benefits and wage replacement for W-2 drivers, shop staff, and other employees injured on the job.
- Occupational Accident Insurance — Injury and death benefits designed for owner-operators and contracted drivers.
Oversize & Heavy Haul Support
- Pilot Car & Escort Vehicle Insurance — Coverage considerations for escort operators and for the carriers who hire them.
- Oversize Permit Guidance & Support — Help understanding permit, route, and escort requirements so compliance issues do not become coverage issues.
See How These Coverages Work Together
Most losses involve more than one policy. Our Coverage Scenarios hub walks through common incidents in oversize and heavy haul operations and outlines which coverages may respond depending on the facts. You can also browse our Resources and Articles for background on the coverages above.
Talk Through Your Program
If you are not sure whether your current program fits the loads you are running, we are happy to review it with you. Call 1-888-500-0171 or schedule a call.
This information is for educational purposes only and should not be relied on as legal, regulatory, or insurance advice. Coverage depends on policy language, endorsements, exclusions, contracts, and the specific facts of a claim. Always review your own policy documents and consult your professional advisors.