TRUCKING INSURANCE — OHIO
Trucking insurance in Ohio.
Owner-operators to fleets.
We've got you covered.
Trucking is one of the most heavily regulated industries for insurance in the country. FMCSA minimums, cargo coverage, physical damage, and workers compensation — a complete trucking program requires specialty knowledge. Myers Insurance Group has been insuring Ohio trucking operations since 2008.
WHO WE INSURE
Every kind of Ohio trucking operation.
Owner-Operators
- Independent owner-operators
- Leased owner-operators
- Permanent lease operators
- Trip lease operators
Small Fleets
- 2–10 truck operations
- Regional carriers
- Local delivery fleets
- Dedicated contract carriers
Freight Types
- Dry van freight
- Refrigerated cargo
- Flatbed loads
- Hazardous materials
Specialty Haulers
- Auto haulers
- Tanker operators
- Heavy haul
- Oversized loads
Operation Types
- Interstate commerce
- Intrastate Ohio only
- Last mile delivery
- Hotshot trucking
Authority Types
- Motor carrier authority
- Broker authority
- Freight forwarders
- New authority (startup)
WHAT WE COVER
Trucking insurance coverage in Ohio.
A complete Ohio trucking insurance program covers your liability, your cargo, your equipment, and your people.
Primary Trucking Liability
FMCSA-required liability coverage for interstate commerce. Minimum $750,000 for most general freight — higher for hazmat. This is the core coverage that gets you on the road legally.
Cargo Insurance
Covers the freight you haul against loss, theft, and damage. Most shippers and brokers require minimum cargo limits before they'll give you a load. Covers dry van, refrigerated, flatbed, and specialty freight.
Physical Damage
Covers your truck and trailer against collision, fire, theft, and weather. Your truck is your business — physical damage coverage protects the asset that generates your income.
Workers Compensation
Required in Ohio for employees. Long-haul driving, loading and unloading, and roadside work all carry significant injury risk. Non-negotiable for any trucking operation with employed drivers.
Excess / Umbrella Liability
Trucking accidents can generate catastrophic liability claims. Excess liability adds coverage above your primary trucking liability limits — strongly recommended for any operation hauling high-value freight or operating in high-traffic corridors.
Non-Trucking Liability
Covers owner-operators when driving their truck for personal use — not under dispatch. The motor carrier's policy only covers you while under dispatch. Non-trucking liability fills the gap when you're on your own time.
General Liability
Covers slip-and-fall and property damage at your terminal, office, or yard. Separate from trucking liability — covers your premises and operations off the road.
Trailer Interchange
Covers damage to trailers you're pulling under a trailer interchange agreement that you don't own. Required by most interchange agreements — physical damage only covers trailers you own.
COMMON QUESTIONS
Trucking insurance in Ohio — what you need to know.
What are the FMCSA minimum insurance requirements for Ohio truckers?
For interstate commerce hauling general freight, the FMCSA requires a minimum of $750,000 in primary liability. Hazardous materials require $1 million to $5 million depending on the commodity. Passenger carriers have their own separate minimums. Ohio intrastate-only carriers are subject to PUCO requirements rather than FMCSA minimums. We help you understand exactly what's required for your specific operation and authority type.
I'm an owner-operator leased to a carrier — do I need my own insurance?
It depends on your lease agreement. When you're under dispatch for the motor carrier, their liability policy typically covers you. But when you're driving for personal use — bobtailing or deadheading off dispatch — you need non-trucking liability coverage. You also need your own physical damage coverage for your truck, as the carrier's policy never covers your equipment. We review your lease agreement and build coverage that fills the gaps your carrier's policy leaves.
I just got my authority — how do I get insurance to file with the FMCSA?
New authority trucking insurance is a specialty we handle regularly. You need a policy that allows your insurer to file the required MCS-90 endorsement directly with the FMCSA — not all carriers do this. We work with trucking-specialty carriers that write new authority policies and handle the FMCSA filing process. Getting your insurance filed correctly is what activates your authority.
The broker I'm hauling for requires $100,000 in cargo coverage — can you do that?
Yes. Cargo coverage requirements vary by broker and by freight type — $100,000 is a common minimum for general freight brokers. We build cargo policies that meet the specific requirements of the brokers and shippers you work with, and can provide certificates of insurance quickly when you need to verify coverage for a new relationship.