We help you find the right coverage — not sell it.
BigTruckCoverage connects owner-operators and fleets with vetted insurance agencies that meet real, enforceable service standards. No more late renewals. No more disappearing agents. No more being treated like a policy number.
Your renewal quote arrives at least 45 days before expiration. No more scrambling at the last minute. No more being forced to accept whatever they give you.
Your loss runs are YOUR data. Our partner agencies release them within 5 business days of your request. No stalling, no excuses, no hostage games.
When you reach out, you hear back within one business day. Every time. Whether it's a question, a COI request, or a claim. No more voicemail black holes.
Federally mandated for every interstate carrier. FMCSA minimums of $750K–$5M depending on cargo. Our agencies find competitive rates whether you're new authority or established.
Protects the freight you're hauling. Dry van, flatbed, refrigerated, or specialty — coverage matched to your cargo type and broker requirements.
Comprehensive and collision coverage for your truck and trailer. Required by lienholders on financed or leased equipment. Protects your biggest asset.
Required in virtually every state for carriers with W-2 drivers. Covers employee injuries, medical expenses, and lost wages on the job.
Covers slip-and-fall, loading dock injuries, and claims from business operations. Required by most shippers, brokers, and facility contracts.
Covers environmental cleanup and third-party damages from hazardous material spills. Required for any carrier with a hazmat endorsement. Includes MCS-90 compliance.
Covers owner-operators driving for personal use, not under dispatch. Fills the gap in your lease agreement coverage.
Medical expenses and lost income protection for 1099 independent contractors not covered by workers' comp.
Covers cargo loss when refrigeration units fail. Essential for food, pharmaceutical, and perishable freight haulers.
Extends your limits above primary auto and GL policies. Brokers increasingly require $2M–$5M+ total coverage.
Covers physical damage to trailers you don't own but use under interchange agreements. Key for intermodal and drayage operators.
Covers on-hook liability and damage to vehicles or cargo during roadside towing and recovery operations.
Endorsements for liability and cargo exposure on permitted overweight, wide, or over-dimensional loads.
Protects you when the at-fault driver lacks adequate insurance. Required or strongly recommended in most states.
Covers data breaches, ELD hacks, telematics intrusions, and ransomware attacks targeting fleet management systems.
Covers lost income when your trucks are out of service due to a covered accident, theft, or weather event.
Covers chains, straps, tarps, GPS units, tools, and other equipment that travels with your truck.
Covers liability when employees drive rental or personal vehicles for company business — yard moves, parts runs, meetings.
Protects against theft of cargo, funds, or property by employees. Important as your fleet and team scale up.
Covers damage to third-party vehicles stored at your facility. Needed if you operate a terminal with a maintenance shop.
Every agency on our platform has been screened, interviewed, and committed to enforceable service standards. No cutting corners.
Your reviews and ratings drive which agencies stay on the platform and which get removed. Your voice matters here.
We believe informed truckers make better decisions. Our blog, videos, and guides break down insurance in plain English.
BigTruckCoverage was founded because truckers deserve better. Not a corporate play. A genuine commitment to this community.
Fill out the form — trucks, cargo, states, timeline. Takes about 3 minutes.
We connect you with a vetted agency that specializes in your type of operation and location.
Your matched agency shops multiple carriers and delivers a competitive quote within 24 hours.
No pressure. Review the numbers, ask questions, and decide when you're ready.
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Read Article →"I'd been with my old agency for 6 years and never thought to shop around. BigTruckCoverage connected me with a specialist who found a better rate in less than 24 hours."
"New authority and getting killed on rates everywhere. The agency BTC matched me with actually worked with me and got me covered at a number I could afford."
"Fast, honest, and they actually answer the phone. My certificate requests come back the same day. That matters when a shipper is waiting."
Fill out the form and we'll match you with a trucking insurance specialist who meets our service standards. Real quotes from real specialists.