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Commercial Auto and Trucking

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We represent multiple insurance companies.

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We offer a wide variety of insurance solutions.

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What Our Clients Say About Reyle and Associates Insurance

I have been with Reyle and Associates for years. They are amazing, always ready to help, and find the best prices. I especially have to thank Jim for getting a such a great rate and fast coverage for my son and daughter-in-law's new car.

Jeanette H.

Reyle and Associates has covered all my personal and business insurance needs for over ten years. They offer exceptional service and coverage. They are prompt to respond and are always courteous.

David G.
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Trucking Insurance 101

Learn more about trucking insurance so you can make an informed decision on your coverage.


Commercial Trucking Insurance

Risk Factor

The type of trucking insurance you need can vary based on a number of factors. Private carriers who are hauling goods in their own truck or for an employer will need insurance designed for private trucking. Owner-operators will have different needs depending on whether they are operating under their own authority or under permanent lease to a motor carrier.


Having the right insurance for the situation is essential. For example, an owner-operator under permanent lease to a motor carrier may have their primary liability insurance provided by the motor carrier. However, there are other coverages they’ll want to consider. Additionally, the type of truck, driver experience, and goods hauled can all affect coverage needs as well.

Garagekeepers and On-Hook

Risk Factor

Tow trucks carry a unique risk involving the property of someone else. The tow truck could be involved in an accident and the vehicle it is towing could become damaged. Also, it’s not unusual for a towed vehicle to be stored overnight at the garage of the towing company. In either scenario, special insurance is needed to cover the towed vehicle.


On-hook insurance provides protection in the case of damages to a vehicle while it is being towed. Garagekeepers insurance would cover losses sustained when a vehicle is being temporarily stored at the towing company’s location.

Bobtail Insurance

Risk Factor

Sometimes a truck is driven without a trailer attached. This could include when the driver is on their way to pick up a load, has just dropped off a load, or is in between loads. When a truck is driven this way under someone else’s trucking authority, a coverage gap can exist if the truck is involved in an accident and found liable for bodily injury or damage to property.


Bobtail insurance is a liability policy that provides coverage for legal fees, damages awarded, and medical expenses for times when a truck is driven under someone else’s trucking authority and there is no trailer attached.

Non-trucking liability

Risk Factor

Trucks that are under permanent lease to a motor carrier are typically covered under their liability coverage, which offers protection when the truck is used for business purposes. But what happens if the truck is involved in an accident and is liable for damages caused while being driven for non-business purposes?


Non-trucking liability insurance offers protection when a truck is driven for personal reasons, for example while running personal errands on a day off. It covers medical expenses, property damage, and legal fees related to the driver.

Trailer Interchange

Risk Factor

There are times a trailer needs to be handed off from one trucker to another to finish the shipment. The contract that arranges this transfer is known as a trailer interchange agreement. The parties to this agreement would need trailer interchange insurance.


If a trailer is damaged, the trucker currently in possession of it would be responsible for them. Trailer interchange insurance offers protection for these damages for the period of time the policyholder is in possession of the trailer.

Rental Reimbursement With Downtime

Risk Factor

A truck that’s been damaged in an accident will need to be taken off the road for repairs. When the truck can’t be used, the business will lose money.


Rental reimbursement with downtime may cover the cost of truck payments and other bills while the truck is inoperable due to a covered loss. It may also provide reimbursement for a temporary replacement truck.

Motor Truck General Liability

Risk Factor

Owner-operators under their own authority and motor carriers can find themselves responsible for their mistakes. A customer injury, a delivery mistake or damage to goods, or damage to property caused by their truck or the actions of a driver can all be very costly.


Motor truck general liability insurance provides coverage for bodily injury and property damage, medical payments, personal or advertising injury, and other damages caused by the company’s own negligence.

Motor Truck Cargo Insurance

Risk Factor

For-hire truckers are often hauling something for someone. For the time that the freight or goods are in the possession of the trucker, the trucker is responsible for any damage to the goods. Whether the goods are damaged in a collision, are spilled off the truck, or damaged during loading and unloading, the expenses associated with this damage can add up fast.


Motor truck cargo insurance, sometimes simply referred to as cargo insurance, may cover the cost of the damaged cargo, removal expenses if the cargo is spilled, lost cargo, legal fees, and freight charges if the cargo is not delivered.

Physical Damage

Risk Factor

If a truck is damaged in an accident and another driver is not held liable for these damages, the truck’s owner would be responsible for the repairs. The truck’s owner would also be responsible for damages caused in other ways, such as if something falls on it, it is vandalized, it catches fire, or it is stolen.


Physical damage insurance covers the cost of repairs to your own vehicle if it’s damaged by you or it is damaged by some other factor that you cannot be held responsible for. For vehicles that are owned outright, this coverage may be optional. However, if the truck is being leased or financed, this coverage may be required by the bank.

Get the insurance that you need.

Get the coverage that you need quickly and at the most competitive pricing and coverage for your commercial vehicle. Whether you have a commercial fleet, trucking or other commercial vehicle needs we can help. Fill out the short form or contact us via phone and speak to one of our licensed agents.

Let’s determine what your needs are and cover appropriately.

Whether you are new in business or an established organization we can help you get the right coverage. Consider covering all of your risks with us including your general liability, workers comp and property coverage.

Types of Vehicles Covered by Commercial Vehicle Insurance:
  • Pickup trucks
  • Semi-trucks
  • Box trucks
  • Vans
  • Dump trucks
  • Tow trucks
  • Food trucks
  • Taxis
  • Limousines
  • And many others
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Why You Need Commercial Vehicle Insurance

Whether you are a long haul trucking company or a small business that uses a vehicle in the line of business you need commercial vehicle insurance. For example, if you are a landscaping company and you pull a trailer you use your truck to make money your personal auto coverage may not be enough to cover your if in the event of an accident. That’s where we come in and provide you with the right coverage to cover your vehicle and your business.

Commercial Truckers Insurance

Truckers require a specialized type of coverage and certain state and federal filings before they can hit the road. We can help with motor truck liability, cargo coverage, trailer Interchange and Non-Trucking Liability coverage. We insure owner operators, motor carriers and private carriers and will provide the protection that you need at an affordable cost.

Commercial Auto and Truck Insurance Cost

Several factors influence the cost of owner operator truck insurance including:

  • Type of business
  • Vehicle
  • Location
  • Coverage needs
  • Driving History
  • Operating radius

Call and speak to one of our agents or click for a quote today.

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Reyle and Associates Insurance - Logo 800

722 Crossover Lane, Memphis, TN 38117 | 901-341-4105