Protect Your Rig, Your Cargo, and Your Future
When you’re out on the road hauling freight, your tractor trailer isn’t just a vehicle — it’s your business, your livelihood, and your investment. Every mile you travel carries risk: accidents, theft, breakdowns, and unpredictable weather. That’s why insurance for tractor trailers isn’t optional — it’s essential. It protects you, your truck, and your bottom line.
At RJS Truck Insurance, we’ve spent more than 30 years helping truckers protect what matters most. Whether you’re just getting your new authority or managing a growing fleet, our goal is simple: help you stay covered, compliant, and confident on every haul.
Understanding Insurance for Tractor Trailers
Insurance for tractor trailers is a specialized form of commercial truck insurance. It covers both your tractor and trailer, the cargo you’re hauling, and the liability risks that come with operating in the trucking industry.
Unlike personal auto insurance, tractor trailer insurance policies are designed for the complex realities of commercial trucking—high mileage, long routes, heavy loads, and varying state regulations. With the right plan, you can cover everything from accidents and cargo damage to liability and mechanical breakdowns.
RJS Truck Insurance works with A-rated carriers such as Great West Casualty, Wilshire, State Fund, Progressive, and others to offer coverage you can rely on.
Why Tractor Trailer Insurance Is Essential
Operating without the right coverage can jeopardize your business and your financial stability. Here are the key reasons you need proper insurance for tractor trailers:
Legal Requirements:
- Federal and state laws mandate minimum liability coverage for all commercial trucks.
Business Reputation:
- Shippers and brokers prefer insured carriers, it shows professionalism and reliability.
Financial Protection:
- A single accident or cargo loss can result in catastrophic costs without insurance.
Peace of Mind:
- The right coverage lets you focus on the job, not the what-ifs waiting down the road.
Types of Coverage Every Truck Owner Should Know
When it comes to choosing insurance for tractor trailers, it’s important to understand the coverage options available to you.
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Auto Liability
This covers injuries or property damage you cause in an accident. It’s legally required for all commercial truck operators.
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Physical Damage
Protects your tractor and trailer against collision, theft, vandalism, or fire. RJS offers single-deductible coverage for cargo and physical damage, keeping things simple and affordable.
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Motor Truck Cargo
Covers the freight you haul against damage, loss, or theft while in transit. It’s often required by shippers and brokers.
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General Liability
Covers accidents that happen off the road, such as at loading docks or truck yards.
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Non-Trucking Liability (Bobtail)
Covers your tractor when it’s used for personal or non-business purposes, such as driving home after a drop-off.
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Reefer Breakdown Coverage
For refrigerated freight haulers, this coverage protects against losses caused by refrigeration unit failure. RJS automatically includes this in many of its policies.
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Occupational Accident
Provides coverage for independent owner-operators in the event of a job-related injury. It’s a cost-effective alternative to workers’ compensation.
Driving Record:
- A clean record earns better rates.
Vehicle Type and Age:
- Newer trucks with advanced safety technology often qualify for discounts.
Cargo Type:
- High-value or hazardous materials typically raise premiums.
Experience:
- The more years of safe driving, the lower your premiums.
Operating Radius:
- Long-haul routes and interstate travel can increase costs.
Coverage Limits:
- Broader protection comes with higher costs, but also greater security.
How to Lower the Cost of Your Tractor Trailer Insurance
There are practical ways to reduce your insurance costs without sacrificing protection:
- Maintain a clean driving record. Avoid accidents and violations whenever possible.
- Use safety technology. Dash cameras, GPS tracking, and anti-theft devices can qualify you for discounts.
- Bundle your coverage. Combine liability, cargo, and physical damage under one policy.
- Take advantage of payment flexibility. RJS offers low down payments, no finance charges, and 12-month EFT options.
- Partner with experts. Experienced RJS agents tailor coverage to your operation and budget.
What Makes RJS Truck Insurance Stand Out
There’s a reason truck owners have trusted RJS for decades. We’re not just another agency, we’re your partner on the road.
Over 30 Years of Expertise:
- Trusted leaders in commercial truck insurance.
Strong Carrier Partnerships:
- Access to Great West, State Fund, Progressive, and more.
Online Portal Access:
- 24/7 access to Certificates of Insurance and policy management.
Fast Quotes:
- Get your quote in just 1–2 business days.
Experienced, Bilingual Agents:
- Our representatives average over 15 years of experience.
Custom Coverage:
- From single operators to fleets, we design policies that fit your operation.
The Answer
Frequently Asked Questions About Insurance for Tractor Trailers
Q: What does insurance for tractor trailers cover?
A: It typically covers liability, physical damage, cargo, general liability, and optional add-ons like reefer breakdown or occupational accident coverage. Together, these protect your truck, cargo, and business operations.
Q: How much does tractor trailer insurance cost?
A: Costs depend on your driving record, location, equipment, and cargo type. Premiums can range from a few hundred to several thousand dollars monthly, depending on your coverage needs.
Q: Can RJS help me get coverage if I’m a new authority?
A: Yes. RJS specializes in helping new trucking businesses get insured quickly—often providing proof of insurance within 24 hours so you can activate your authority and hit the road.
Q: What states does RJS Truck Insurance serve?
A: RJS offers coverage throughout Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and several other states.
Q: How fast can I get a quote?
A: You can get a free, no-obligation quote from RJS Truck Insurance by clicking here. You’ll receive it within 24 hours.
Ready to Protect Your Truck and Your Business?
Whether you’re a first-time owner-operator or managing a fleet, having the right insurance for tractor trailers is essential to your success. With RJS Truck Insurance, you get expert guidance, fast service, and access to the top carriers in the industry.
Get a free, no-obligation quote from RJS Truck Insurance today! You’ll have it within 24 hours.
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