Commercial Truck Insurance in Pennsylvania

Also providing Commercial Truck insurance to residents in Maryland, North Carolina, New Jersey, and Virginia.

Anthony Acri Insurance

Your commercial trucking business keeps Pennsylvania moving, and protecting it with the right insurance coverage is essential. At Anthony Acri Insurance Agency, we specialize in providing customized commercial truck insurance solutions tailored to the unique needs of trucking businesses across Pennsylvania. Whether you’re an owner-operator or manage a fleet, we can help you find coverage that fits your specific risks and budget.

What Is Commercial Truck Insurance?

Commercial truck insurance is designed to help protect trucking businesses and independent operators from financial losses related to accidents, cargo damage, liability claims, and more. Policies can include coverage for physical damage, liability, cargo, and other risks associated with commercial transportation.

If you operate a truck for business in Pennsylvania, having the right insurance policy can help protect you from unexpected expenses and liability claims. Coverage requirements vary based on the type of trucking you do, the weight of your vehicle, and whether you operate across state lines.

Who Needs Commercial Truck Insurance in Pennsylvania?

Anyone who operates a truck for business purposes in Pennsylvania may need commercial truck insurance. This includes:

• Owner-operators – Independent truck drivers operating under their own authority or leased to a carrier.
• Fleet owners – Businesses managing multiple trucks for regional or long-haul trucking.
• For-hire carriers – Trucking businesses transporting goods for customers.
• Private carriers – Companies using trucks to transport their own goods.
• Hotshot trucking businesses – Operators hauling smaller, time-sensitive loads.

Pennsylvania law requires commercial truck operators to meet minimum liability insurance requirements, but additional coverages may be necessary depending on your operations.

What Types of Coverage Are Available for Commercial Trucks?

There are several types of commercial truck insurance coverages available to help protect your business, including:

• Liability Insurance – May help cover bodily injury and property damage if your truck is involved in an accident.
• Physical Damage Coverage – Includes collision and comprehensive insurance, which may help pay for repairs or replacement if your truck is damaged.
• Cargo Insurance – Helps cover the value of goods you transport if they are lost or damaged.
• Non-Trucking Liability (Bobtail Insurance) – Provides liability coverage for owner-operators when not under dispatch.
• Workers’ Compensation Insurance – Required for businesses with employees to help cover workplace injuries.
• General Liability Insurance – Can help protect against lawsuits related to business operations.

The right combination of coverages depends on your business needs, vehicle type, and state and federal regulations.

How Much Does Commercial Truck Insurance Cost?

The cost of commercial truck insurance in Pennsylvania varies based on several factors, including:

• The type of truck and its weight
• Driving history and experience
• The type of cargo being transported
• Distance traveled (intrastate vs. interstate)
• Policy limits and coverage selections

While some businesses may find lower-cost policies, others may require more comprehensive coverage, which can impact premium costs. Our team at Anthony Acri Insurance Agency can help you compare options and find coverage that meets your budget.

What Are the State Requirements for Commercial Truck Insurance in Pennsylvania?

Pennsylvania has specific insurance requirements for commercial trucking, which vary based on vehicle type and usage. Some common requirements include:

• Liability insurance – The state mandates minimum liability limits, which depend on the weight of the vehicle and whether it operates intrastate or interstate.
• Federal Motor Carrier Safety Administration (FMCSA) requirements – If your truck crosses state lines, you may need to meet federal liability minimums, which can range from $750,000 to $5 million depending on cargo type.
• Additional coverages – Certain businesses may need cargo insurance, general liability coverage, or workers’ compensation based on their operations.

Understanding and meeting these requirements is essential to maintaining compliance and keeping your business protected.

Why Choose Anthony Acri Insurance Agency for Your Commercial Truck Insurance?

At Anthony Acri Insurance Agency, we understand the unique challenges Pennsylvania trucking businesses face. We offer:

• Personalized service – Our agents take the time to understand your business and coverage needs.
• Multiple carrier options – We work with top insurance providers to find competitive rates.
• Local expertise – As a Pennsylvania-based agency, we understand state-specific regulations and industry needs.
• Claims support – If you need to file a claim, our team is here to assist you throughout the process.

We are committed to helping you secure the right insurance solutions to keep your trucking business protected.

How Can You Get a Commercial Truck Insurance Quote in Pennsylvania?

Getting a commercial truck insurance quote is simple. Contact Anthony Acri Insurance Agency today, and our experienced agents will guide you through the process. We will:

1. Gather details about your trucking operations, vehicle type, and coverage needs.
2. Compare quotes from multiple insurance carriers to find competitive options.
3. Help you select a policy that fits your budget and meets state requirements.

If you need commercial truck insurance in Pennsylvania, Anthony Acri Insurance Agency is here to help. Our experienced team can guide you through coverage options and help you find the right policy for your business.

Contact us today to learn more about your commercial trucking insurance options and receive a customized quote.