Drive with Confidence. Deliver with Security.
Whether you're an independent truck driver or a fleet owner, your trucks are the lifeblood of your business. Every mile on the road comes with risks—from accidents and cargo damage to liability claims and breakdowns.
At Scheer’s Insurance Services, we provide specialized trucking insurance solutions to protect your trucks, cargo, drivers, and financial future—so you can stay on the road without worry.
Stay Covered. Stay Compliant.
Trucking is a high-risk industry, and having the right insurance isn’t just smart—it’s required by law. Our policies protect you from:
- Truck Accidents – Covers repairs, medical expenses, and liability claims.
- Cargo Damage or Theft – Protects the goods you're hauling from loss or damage.
- Liability Risks – Shields you from costly lawsuits in case of injury or property damage.
- Breakdowns & Downtime – Helps cover expenses if your truck is out of service.
Customized Insurance Solutions for Your Fleet.
Primary Liability Insurance
Covers bodily injury and property damage if you're at fault in an accident.
Physical Damage Insurance
Pays for truck repairs or replacements after an accident, theft, or natural disastere.
Motor Truck Cargo Insurance
Protects the freight you're hauling from loss, theft, or damage.
Non-Trucking Liability (Bobtail Insurance)
Covers your truck when it’s not under dispatch.
Roadside Assistance & Breakdown Coverage
Helps cover towing, repairs, and downtime costs.
Reliable Protection for the Long Haul.
You keep America moving—let us protect your trucks and business. At Scheer’s Insurance Services, we offer affordable, hassle-free trucking insurance so you can focus on the road ahead.
- FMCSA-Compliant Coverage – Policies that meet federal & state trucking regulations.
- Affordable Premiums – Competitive rates for owner-operators and fleet businesses.
- Quick Claims Processing – Fast and efficient support to get your truck back on the road.
- Experienced Trucking Specialists – We understand the unique risks of the trucking industry.
FAQs
What is trucking insurance and who needs it?
Trucking insurance protects trucking companies, owner-operators, and lease to a motor carrier drivers from financial losses due to accidents, theft, or cargo damage. Whether you're insuring semi trucks, dump trucks, or box trucks, this coverage is essential for any trucking business.
What does box truck insurance cover?
Box truck insurance coverage typically includes bodily injury and property damage, physical damage coverage, motor truck cargo, and general liability. If you operate delivery trucks, moving vans, or cargo box trucks, commercial protection is a must.
How much does box truck insurance cost?
The box truck insurance cost varies based on your driving history, vehicle value, operating radius, and cargo type. Costs can range from $2,000 to $10,000 annually depending on your coverage limits and whether you need commercial box truck insurance or additional endorsements.
Is tow truck insurance different from other policies?
Yes. Tow truck insurance typically includes garagekeepers liability, on-hook towing coverage, and broader commercial auto protection due to the nature of towing and roadside assistance services.
What is trucking liability insurance?
Trucking liability insurance is the core policy required for all types of commercial vehicles. It includes liability coverage for injuries or damages you cause while operating your truck and is required by FMCSA regulations.
What additional coverages are available for trucks?
Optional add-ons include motor truck cargo insurance (protects goods in transit), physical damage coverage (for vehicle repairs), and truck insurance exchange services for flexible policy bundling.
Which providers offer strong policies for truckers?
We work with leading carriers such as OOIDA truck insurance, Total Trucking Insurance, and other specialized truck insurance companies to provide best-in-class claims service and support.
What types of trucks are covered under commercial truck insurance coverages?
Coverage is available for box trucks, dump trucks, tow trucks, semi trucks, flatbeds, refrigerated trucks, and more. We match types of commercial vehicle to the most suitable policy.
How does commercial auto insurance differ for trucking?
Commercial auto for general businesses is different from trucking liability. Trucking policies offer higher liability limits, DOT compliance, and specific protections for cargo and long-distance hauling.
Why is trucking insurance critical to protect your business?
Without the right insurance, one accident could devastate your company. Proper liability insurance offers peace of mind—especially when transporting valuable goods or operating across state lines.
Protect Your Trucking Business Today.
Your trucking business can’t afford unexpected risks. Ensure you have the right coverage to protect your trucks, cargo, and bottom line. Let Scheer’s Insurance Services provide you with peace of mind on the road.