Physical Damage Insurance for Semi Trucks & Trailers
Protects the equipment your business runs on — from a jackknife on I-40 to a hailstorm in the yard.
What it covers
- Actual cash value or stated amount
- Collision + comprehensive
- Fast valuation on total losses
Physical damage coverage repairs or replaces your tractor and trailer after a collision, theft, fire, or weather loss. It's written as collision plus comprehensive, and can be valued at actual cash value or a stated amount you agree on up front.
We help you set a realistic stated value — not so low you're shorted on a total loss, not so high you're overpaying premium — and we work with carriers known for fast, fair valuations when a truck is totaled.
Who needs it
If your truck is financed or leased, your lender almost certainly requires it. Even if you own your equipment outright, one collision or fire can take a six-figure asset off the road — physical damage is what gets you back behind the wheel.
Other coverage we write
Primary Liability
Required protection for the damage your truck causes to others on the road.
Learn moreMotor Truck Cargo
Covers the freight in your trailer against damage, theft, and loss in transit.
Learn moreGeneral Liability
Protection when something happens off the truck — a fall at a dock, a claim at your yard.
Learn more