Trucking comes with high liability exposure and strict insurance requirements. PRK Insurance Agency, Inc. helps you compare trucking coverage options and stay protected on the road and on the job.
Trucking insurance is coverage designed for owner operators and trucking companies to protect against accidents, liability claims, cargo losses, and vehicle damage while operating commercially.
Primary liability helps protect you if you cause bodily injury or property damage to others. It is commonly required to operate and contract with shippers or brokers.
Cargo coverage helps protect against certain losses or damage to the freight you’re transporting. Coverage depends on what you haul and your contracts.
Physical damage coverage can help repair or replace your truck after covered accidents, theft, vandalism, or certain weather events, depending on your deductible and policy terms.
If you’re an owner operator, you may need non trucking liability or bobtail coverage depending on whether you’re under dispatch, using the truck off duty, or driving without a trailer.
Pricing depends on driving history, equipment type, radius, years in business, cargo type, coverage limits, deductible, and prior claims. We help you compare options to find the best fit.
Trucking coverage needs to match your operations, contracts, and compliance requirements. Since 2004, PRK Insurance Agency, Inc. has helped New York businesses compare trusted options and choose coverage with clear guidance and fast support. Based in Melville, NY, our team helps you build the right trucking policy, avoid gaps, and stay protected mile after mile.
Get clear answers to common trucking insurance questions, including what coverage you may need, how compliance works, and how to protect your truck, cargo, and liability in New York.
Trucking insurance can include primary liability, cargo coverage, physical damage, bobtail or non trucking liability, and other options depending on your operations.
Yes. Owner operators typically need liability coverage and often need cargo and physical damage coverage depending on their contracts and equipment.
Primary liability helps cover bodily injury or property damage you cause to others while operating commercially. It is commonly required for trucking operations and contracts.
Cargo insurance helps protect the freight you haul against certain loss or damage. Coverage depends on cargo type, limits, and policy terms.
Bobtail insurance generally refers to liability coverage when you are driving a truck without a trailer, depending on the policy and whether you are under dispatch.
Non trucking liability helps cover certain liability exposure when using the truck for non business purposes, depending on your policy and lease arrangement.
Many policies cover operations across state lines, depending on your filings, operating authority, and policy terms. We can help confirm your coverage territory.
Cost depends on driver history, experience, truck type, radius, cargo type, coverage limits, deductible, and claim history.
Quote speed depends on the details of your operation and required filings. In many cases, we can move quickly once we have the key information.
Yes. PRK Insurance Agency, Inc. helps New York owner operators and trucking businesses compare trucking coverage options and choose the right policy with clear guidance and fast support.
