NEW TRUCKING COMPANY? Pay-by-the-Mile Insurance Program
Commercial Auto Insurance
High Risk Trucking Insurance
Running a trucking business is challenging enough, but for high risk trucking companies, the obstacles are even greater. Insurance costs, safety requirements, and compliance with FMCSA regulations can all add financial strain. At Truck Insurance Helpers, we specialize in helping truck drivers, owner-operators, and trucking companies secure the right high-risk truck insurance coverage—so you can stay on the road, protect your business, and work toward lowering your risk profile over time.
What Is High Risk Trucking Insurance?
Not every motor carrier has a clean record. A company may be considered “high risk” if it has:
Poor safety scores or multiple out-of-service violations
Frequent accidents or claims
A history of driver issues or poor driving records
Conditional FMCSA ratings
High loss ratios or lapses in insurance coverage
Being labeled as high risk typically means higher premiums and fewer insurance options. But with the right insurance providers and risk management strategies, many trucking companies can improve their safety record and eventually qualify for more affordable insurance policies.
Who Needs High Risk Truck Insurance?
High risk status can apply to almost any type of trucking business. Common examples include:
Long-haul carriers transporting freight across state lines
Short-haul trucking companies operating regionally
Construction haulers and excavators
Tow truck operators and recovery services
Owner-operators with limited history or prior claims
If your business has been turned away by insurance companies in the past, Truck Insurance Helpers can connect you with the right insurance brokers and markets that specialize in high-risk commercial truck insurance.
CNS Insurance and CNS together have many success stories from turning clients from High Risk Trucking Carriers into Profitable and sustainable trucking carriers that only attract the best drivers.
High Risk Carrier Insurance Coverages
Why High Risk Truck Insurance Is Important
Carriers without the proper commercial truck insurance risk serious financial and legal consequences. By law, all motor carriers must carry a minimum of $750,000 in auto liability coverage to maintain active operating authority. Without the right insurance policy, you could face:
FMCSA fines and penalties
Suspension or revocation of your MC authority
Higher long-term insurance rates
Out-of-pocket costs for property damage or bodily injury claims
At Truck Insurance Helpers, we not only help you secure an insurance quote, but also provide risk management guidance—including safety programs, driver training, and compliance strategies—to help you move out of the higher risk category over time.
CNS Insurance and CNS together have many success stories from turning clients from High Risk Trucking Carriers into Profitable and sustainable trucking carriers that only attract the best drivers.
High Risk Truck Insurance Coverages
The right coverage options depend on your operation, drivers, and equipment. Truck Insurance Helpers works with multiple insurance providers to design a tailored insurance solution for your needs.
Core High-Risk Insurance Coverages
Auto Liability Insurance – Required by the FMCSA, with a minimum of $750,000 in coverage for bodily injury and property damage.
Cargo Insurance – Protects the goods you haul, often required at $100,000 but varies by load type.
Physical Damage Insurance – Covers repair or replacement of your trucks from collision, fire, theft, storms, and other risks.
General Liability Insurance – Covers non-driving related risks such as accidents at your business premises.
Additional Coverage Options for High Risk Carriers
Non-Trucking Liability – Provides protection when using your truck for personal use outside of dispatch.
Bobtail Insurance – Covers owner-operators when driving without a trailer.
Trailer Interchange Insurance – Protects borrowed or leased trailers in your possession.
On-Hook Towing Insurance – Covers customer vehicles while being towed.
Garagekeepers Coverage – Protects vehicles stored at your facility from fire, theft, or vandalism.
Diminished Value Coverage – Helps offset the loss in resale value after an accident.
How Insurance Companies Assess High Risk
When evaluating insurance needs, companies consider more than just your claim history. Insurers look at your:
Driving record and history of violations
Safety scores and compliance audits
Frequency of accidents or out-of-service citations
Fleet size and maintenance practices
Experience of truck drivers and owner-operators
Even if you are labeled as high risk, there are ways to improve your risk profile. By adopting risk mitigation strategies like telematics, driver safety training, and consistent maintenance programs, you can work toward lower insurance premiums.
Why Choose Truck Insurance Helpers?
Unlike many insurance companies, we focus exclusively on the trucking industry. That means we understand the unique challenges you face and can offer tailored insurance options that protect your business today while preparing you for tomorrow.
When you work with us, you get:
Access to multiple insurance providers specializing in high risk trucking
Help securing an affordable truck insurance quote
Customized insurance policies designed around your operation
Support for truck drivers, owner-operators, and motor carriers nationwide
Expert advice on risk management and compliance
Strong Relationships with Insurance Companies
Get a High Risk Truck Insurance Quote
Don’t let a “high risk” label put your trucking business at risk of closure. The right commercial auto insurance can keep your trucks on the road, protect your financial stability, and give you a path toward lower insurance costs.
Contact Truck Insurance Helpers today for a fast and accurate truck insurance quote. Our specialists will review your specific needs, compare policies from trusted insurance providers, and help you secure the coverage you need to keep your business moving forward.