Indiana Truck Insurance


IN License #: 3607899


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Indianapolis • Fort Wayne • South Bend • Evansville • Carmel • Gary • Muncie • Terre Haute

Truck Insurance for Indiana

There’s more to keeping your trucks on the road and turning a profit than hiring good and safe drivers. Besides finding great employees to drive your vehicles, you also need to perform regular maintenance checks and find the best insurance for you and your business. Finding the right insurance is not easy, especially with rising insurance rates, but it’s completely necessary. According to the FMCSA, 2018 saw a 48 percent increase in fatal accidents from 2009 with “5,096 large trucks and buses [...] involved in fatal crashes.” So, it’s not a question of whether or not you should be insured—it’s a matter of how to find the best insurance for your budget. Fortunately, we’re here to help you find the best option for your needs.

Truck insurance is required throughout the United States, but every state has its own special considerations. Let’s get into the specific requirements of Indiana truck insurance and why you should use an independent insurance agent when protecting your trucks.


Why do I need Indiana Trucking Insurance?


  • Truck Liability Coverage

    Every state requires liability coverage, and it’s easy to see why. Liability coverage protects drivers from the cost of the injuries or damage sustained by the other driver or vehicle involved in an accident. In Indiana, truck drivers and businesses are required by law to hold a minimum level of liability insurance, determined by what you haul and where. For example, if your truck never leaves the state and it weighs more than 10,000 GVW, you must get an intrastate only USDOT Number and be insured. Liability insurance is required by the law for a reason. And even if it wasn’t, it’s there for your own protection.

  • Physical Damage Coverage

    Physical damage coverage is not required by law, but it’s just as important as liability coverage as accidents involving trucks can get expensive quickly. According to the FMCSA, “the average cost of all large truck crashes is about $91,000,” and a crash with injuries averages almost $200,000 per crash. That’s only the beginning. Crashes involving fatalities can cost you and your business up to millions of dollars. Luckily, physical damage coverage protects you from these losses, like when a truck is put out of commission.

  • Motor Truck Cargo

    Motor truck cargo insurance is needed by for-hire truckers to properly cover the commodities they are hauling and it is generally required by the party who owns the product being transported. This ensures that if their goods are damaged or stolen while in transit, their assets will be covered. Depending on the cargo that is in transport by your big rig, you may need specific endorsements. For example, if you transport refrigerated goods, you will need to make sure you have “reefer breakdown” coverage. This might cover a $50,000 load of fresh fruits and vegetables when the reefer unit breaks down on I-65 in the middle of the summer. Of any line of 18-wheeler insurance, cargo insurance is the one you need to understand and pay the most attention to. You usually get what you pay for, and some carriers will make a long list of exclusions that specifically exclude coverage for certain events.

  • Truckers General Liability

    While truckers general liability insurance has coverage similar to liability insurance, it can be a bit confusing. Here is the simplest explanation of it: Truckers general liability protects your business from the damage that might occur when you are not behind the wheel of your truck. If you have other aspects of your business—like a quarry or a consolidation warehouse, for example—you will need a more robust general liability insurance policy that considers exposures outside the realm of trucking. Your auto liability coverage, however, would cover your business when you are driving.


Why Should I use an Independent Insurance Agent?

Find Insurance Programs Specific to Your Needs

The best thing you can do for your trucking business is find an insurance program that fits your specific needs. Trying out a generic solution that you would have to tailor to your business can cost you time and money, not to mention that it could lead to further problems down the road. For our part, TIS specializes in the trucking niche and provides market access to numerous specialty truck insurance programs, including programs for the following:

  • General freight
  • Refrigerated goods
  • Dry van
  • Flatbed
  • Dump trucks
  • Towing
  • Auto haulers
  • Intermodal containers
  • Hazmat

Instant Certificates of Insurance with our Mobile App

Insurance is supposed to be there to help you in the most difficult moments. When the unexpected happens and you need to prove your policy in the middle of the night, the last thing you want is to be waiting for hours for an insurance agent to return your call or get back into the office. This is why TIS is available 24/7 to issue your certificate of insurance through our mobile app. We’re there to support you for every mile of the journey, regardless of where the interstate may take you.

Get Assistance with your Indiana Truck Permits & Filings

Compliance can be tricky, but forgetting to be compliant can be expensive. Because we know how difficult it can be to keep up with a world of ever-changing regulations and permits, our TIS agents are there to watch over your permits and coverage. Our permit department is well-versed in everything related to Indiana truck insurance, and we are constantly watching the evolving system for updates that might trip you up. This is why we ensure that our clients have all of the necessary commercial trucking permits and keep you informed of all changes made to laws and regulations.

As an independent brokerage, TIS also has access to nearly every carrier under the sun. No matter what kind of truck you’re driving, we can partner you with the perfect carrier for your business. Contact us today to learn more.


Indiana Truck Insurance Quote

Here is what Our Happy Customers have to say


Everyone that has helped me at TIS has been very helpful and feels like I have known them forever. Very friendly and they get things handled in a very timely manner!!! Would definitely recommend them to anyone!!!
Adriana Nevins

Rita was an awesome help. She’s very professional and got what I needed in a timely manner. It’s hard to come across honest people, I will definitely recommend to family and friends. Thank you, Rita!
Jason Yanez

TIS has been extremely helpful during my permitting process. Shalyn has been very helpful and informative. Two thumbs up!
Larry Cooper