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.
Typical coverage can include commercial auto liability, physical damage, motor truck cargo, general liability and workers compensation, depending on the operation.
Cargo insurance can help protect goods being transported against covered causes of loss, subject to commodity restrictions, deductibles and policy limits.
Vehicle type, radius, cargo, driver records, years in business, loss history, limits and deductibles are among the factors insurers may consider.
Coverage varies by insurer and policy. A PRK Insurance agent can help you review options for your situation.
