Top 5 Commercial Insurance Mistakes Trucking Companies Should Avoid

Running a trucking business comes with high stakes—and even higher risks. Here are five common commercial insurance mistakes to avoid:

1. Underinsuring Your Fleet – Replacing damaged or totaled vehicles without enough coverage can lead to major financial strain.

2. Ignoring Cargo Insurance – Don’t assume your general policy covers everything you haul.

3. Not Updating Policies Regularly – As your business grows or changes, so should your coverage.

4. Overlooking Driver History – Insurers review driving records when pricing policies—hire responsibly.

5. Skipping Workers’ Comp – Even part-time or contract drivers may be eligible for coverage, depending on your state.

   
   

Avoiding these pitfalls can protect your assets and ensure long-term success in a highly regulated industry.