Protecting Every Mile
of Your Journey
Fast, affordable commercial trucking insurance for owner-operators, fleets, and independent drivers. Get covered today — same-day policies available.
Why Choose Us
What Makes Us Different
At Insure 4 Trucks, we're not just another provider — we're your partners in peace of mind on every mile of the road.
Fast Quotes, Faster Coverage
We know downtime costs money. Get a quote in minutes and coverage the same day. We work around your schedule, not ours.
Save on Your Premium
Our relationships with top carriers like Progressive and GEICO mean we find you the best rate without cutting corners on coverage.
Coverage Built for Truckers
From bobtail to cargo, we understand the unique risks of the road. Every policy is tailored to your specific operation.
Our Specialty
We Cover All Types of Commercial Trucks
Flexible coverage at competitive rates for all types of commercial trucks, catering to both owner-operators and private carriers.
Semi Trucks
Full coverage for Class 8 big rigs whether you're leased to a carrier or running your own authority.
Owner Operators
Whether leased to a motor carrier or running under your own authority, we have the right policy for you.
Hot Shot Trucks
Time-sensitive loads, non-CDL drivers — flexible, affordable policies for hot shot operations.
Box Trucks
Cargo, liability, physical damage, and breakdown coverage for box truck and last-mile delivery operators.
Cargo Vans
Tailored policies for private carriers and delivery operators crossing state lines.
Fleets
Comprehensive fleet programs for 2 to 50+ units. One policy, one renewal, one point of contact.
What We Offer
Comprehensive Coverage Options
Tailored solutions to fit your needs — providing comprehensive coverage that goes the extra mile when you need it most.
- ✓Primary Trucking Liability
- ✓Bobtail (Non-Trucking) Liability
- ✓General Liability
- ✓Collision Coverage
- ✓Comprehensive Coverage
- ✓Workers Compensation
- ✓Occupational Accident
- ✓Motor Truck Cargo
- ✓Contingent Cargo
- ✓Refrigerated Cargo (Reefer)
- ✓Intermodal
- ✓Trailer Interchange
- ✓Hired & Non-Owned Auto
- ✓Truckers Medical & Disability
Carriers We Work With
Access to 600+ Carriers — Including These Top Names
Progressive
GEICO
Cover Whale
STAR Mutual RRG
Motor Transport Mutual RRG
Technology Transportation RRGClient Reviews
What Our Clients Are Saying
"Insure 4 Trucks saved us over $8,000 a year on our fleet policy. They found us better coverage at half the price we were paying before. Highly recommend!"
"Got my owner-operator policy set up in less than 24 hours. Merryl walked me through everything and made it simple. Best experience I've had with any insurance company."
"Insure 4 Trucks made getting covered as an owner-operator straightforward and stress-free. They found me a great rate, explained every detail of my policy, and had me on the road fully insured the same day. I won't go anywhere else."
Our People
Meet the Team
We're a dedicated team of insurance professionals who understand the trucking industry inside and out.
Merryl
Licensed Insurance Agent
Merryl leads our team with years of experience in commercial trucking insurance. She specializes in finding the right coverage for owner-operators and fleets of all sizes.
Ronald
Licensed Insurance Agent
Ronald brings deep knowledge of the trucking industry to every client interaction. He focuses on competitive rates and comprehensive coverage tailored to your operation.
Jami
Customer Service Representative
Jami is your go-to for policy questions, certificate requests, and day-to-day support. She's committed to making sure every client gets fast, friendly service.
Sheila
Customer Service Representative
Sheila handles client communications and policy administration with care and attention to detail. She's here to make your experience smooth from start to finish.
Loren
Agent Representative
Loren works directly with agents and partners to expand our network and ensure clients across all 48 states have access to the best trucking insurance options.
Jeremy
Agent Representative
Jeremy supports our agent network with market access, carrier relationships, and quoting assistance to deliver the best outcomes for every client.
Featured Media
Merryl Gerhardt on Trucking
Watch Merryl share expert insights on trucking insurance, driver retention, recruiting, and industry trends across podcasts and interviews.
Simple Process
How It Works
Getting trucking insurance doesn't have to be complicated. Here's how we get you covered fast.
Get a Free Quote
Fill out our quick quote form or call us directly. We'll gather your basic info — trucks, drivers, cargo type — and start shopping the market immediately.
We Shop 600+ Carriers
We have access to over 600 insurance companies that file with the FMCSA. We compare rates and coverage options to find you the best deal — not just the fastest one.
Get Covered & Hit the Road
Once you approve your policy, we bind coverage and get your Certificate of Insurance issued — often the same day. You're protected and ready to roll.
What to Prepare Before Your Quote
To get the most accurate quotes — especially from the broader market of 600+ carriers — having these documents ready speeds up the process significantly. Many companies won't review your application without MVRs and at least 3 years of loss runs.
Renewal Tips
Your Renewal Roadmap
Don't get caught scrambling at the last minute. Follow this timeline to get the best rates and avoid coverage gaps.
Common Questions
Frequently Asked Questions
Everything you need to know about trucking insurance.
Trucking Insurance Insights
Resources & Articles
Practical guides to help you understand your coverage and make smarter insurance decisions.
Owner-Operator Insurance: The Complete 2026 Guide
Running your own truck? This guide covers every coverage type you need — Auto Liability, Physical Damage, Cargo, Bobtail, and General Liability — with real cost ranges and tips for getting the best rate as an independent operator.
What Insurance Does a New Trucking Authority Need?
Just got your MC number? Here's exactly what coverage the FMCSA requires — Auto Liability ($750K minimum), what your broker will require, and what smart owner-operators add from day one to protect their investment and stay compliant.
How to Lower Your Commercial Truck Insurance Premium
High premiums eating into your margins? We break down the top 7 factors that drive up your rate — MVR history, loss runs, equipment age, radius of operation — and the practical steps you can take to bring them down at renewal.
Bobtail vs. Non-Trucking Liability: What's the Difference?
Many owner-operators confuse these two coverages — and the gap can leave you completely exposed. Here's a plain-English breakdown of when each one applies, who needs both, and how to avoid costly coverage gaps.
Hot Shot Trucking Insurance: What You Need to Know
Hot shot trucking has unique insurance requirements that standard commercial auto policies don't cover. Learn what coverages FMCSA requires, what brokers demand, and how to protect your pickup and gooseneck trailer operation.
Client Tools
Resources for Our Clients
We provide online tools to make managing your trucking insurance as easy as possible.
MVR Portal
Instantly obtain Motor Vehicle Records for your drivers at about the same cost as your local DMV. Required by FMCSA — every driver must have an MVR on file, renewed annually.
For employment pre-screens, a signed consent form from the driver is required before ordering.
Order an MVRCOI Self-Service Portal
Need a Certificate of Insurance fast? Access your policy documents and request a COI instantly through our self-service portal — no waiting, no phone calls needed.
Available 24/7 for active policyholders.
Access COI PortalReady to Get Covered?
Don't let high premiums slow you down. Get a free, no-obligation quote today and see how much you can save.
Get My Free QuoteGet In Touch
Let's Talk Insurance
Have questions? Ready to get a quote? Reach out and we'll get back to you fast. We're here to help you find the right coverage at the right price.