Wisconsin Truck Insurance


WI License #: 3001067402


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Milwaukee • Madison • Green Bay • Kenosha • Racine • Appleton • Waukesha • La Crosse

Truck Insurance in Wisconsin

Wisconsin law requires truck drivers to carry a liability insurance policy. The amount you need depends on the type of freight you carry, the size of your truck, and whether you are traveling within the state or across state lines.

Some of the minimum requirements for intrastate drivers include the following:

  • $750,000 for general freight
  • $1,000,000 for oil transport
  • $5,000,000 for hazmat
  • $300,000 for household goods

Interstate truck drivers are required to follow Wisconsin laws as well as the DOT truck insurance requirements from the FMCSA.


Why do I need Wisconsin Trucking Insurance?


Insuring your drivers and trucks is, of course, a legal requirement. In addition, it protects your company financially. Here are some numbers to keep in mind:

  • $91,000: The average cost of all large truck crashes
  • $200,000: The average cost of a crash with injuries (and that average only increases based on the severity of the crash)
  • $1,000,000+: The potential cost of a crash if fatalities are involved

Luckily, physical damage coverage protects you from losses, especially when a truck is put out of commission. But as trucking insurance rates continue to rise, it’s crucial to be informed about what is required and what your options are.


  • Truck Liability Coverage

    In the state of Wisconsin, all commercial trucks are required by law to hold a minimum level of liability insurance. Regardless of the law, truck liability insurance is there for your own protection. The last thing you want to have happen is to be put out of business due to an unforeseen accident.

  • Physical Damage Coverage

    Physical damage coverage protects your trucking business from losses, especially if one of your trucks out of commission due to an accident.

  • Motor Truck Cargo

    Motor Truck Cargo coverage is necessary to properly cover the commodities they are hauling. It is generally required by the party who owns the cargo that is being transported. Depending on the type of cargo, 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 dairy products should the reefer unit break down. Some carriers will make a long list of exclusions that specifically exclude coverage for certain events, so it is important to understand the fine print on cargo insurance. At TIS, we’ll help you with this.

  • Truckers General Liability

    Truckers GL is designed to protect your business from damage that might occur when you are not behind the wheel of your truck.


Why Should I use an Independent Insurance Agent?

Find Insurance Programs Specific to Your Needs

With all the Wisconsin truck insurance requirements to keep track of, it’s a good idea to use an independent insurance agent. We’re here to help you find an insurance program that caters to your specific needs and budget, be prepared for any emergency, and stay compliant.

An insurance program customized to your needs will save you both time and money because instead of looking for better insurance, you will be able to focus on driving profit. As experts in the trucking industry, the TIS team provides market access to numerous specialty truck insurance programs to meet your specific needs:

Instant Certificates of Insurance with our Mobile App

In addition to being customized for what you need, insurance also needs to be there when you need it. TIS is available 24/7 to issue your certificate of insurance through our mobile app. So instead of waiting for your insurance agent to get back to you as you’re dealing with the unexpected in the middle of the night, you can just call on us, and we’re ready to help.

Get Assistance with your Wisconsin Truck Permits & Filings

Compliance is another crucial insurance item to keep track of. Staying on top of compliance can be tricky, but missing the mark is costly. TIS agents are there to ensure you keep all of your permits up to date. We keep up with the ever-changing regulations and permits, so you don’t have to. Our permit department is comfortable with all things Wisconsin truck insurance, and we are constantly watching the system for updates to keep your permits up to date and you informed of all changes made to laws and regulations.

As an independent brokerage, TIS has access to almost every carrier. No matter what kind of truck you’re driving, we can match you with the right carrier for your business. Contact us today to learn more.


Wisconsin Truck Insurance Quote

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