The FAMILY That Covers You FIRST !
Full liability, bobtail, cargo, and federal DOT compliance filings.
Our agency specializes in your commercial truck needs:
Whether you are an independent owner-operator operating under your own motor carrier authority, leased to a major motor carrier, or managing an interstate trucking fleet, 1st State Insurance has the technical acumen and carrier network to build an impenetrable defense for your commercial vehicles.
Call us today for a quote: 302-223-2552
1st State Insurance offers the full spectrum of transportation coverages to satisfy FMCSA filings, state DOT regulations, broker contracts, and protect your enterprise.
Primary liability insurance covering third-party bodily injury and property damage resulting from at-fault truck accidents during freight operations. Essential for state and federal motor carrier filings (BMC-91X / Form E).
Protects truck tractors when operating without a trailer (bobtailing) or when driving off dispatch for non-business or personal conveyance, bridging the critical coverage gap when your motor carrier's primary liability policy does not apply.
Insures the goods, commodities, and freight being transported against collision, overturning, theft, wetness, fire, refrigeration breakdown, and accidental loss while in transit under your bill of lading.
Physical damage coverage for non-owned trailers that you pull under an interchange or pooling agreement with shipping lines, rail ramps, or third-party logistics firms.
Comprehensive and collision protection for your semi-trucks, tractors, and trailers. Safeguards your expensive capital equipment against rollover, impact, theft, vandalism, weather, and total loss.
Covers operational liabilities occurring outside of direct vehicle collisions—including slip-and-fall injuries at loading docks, terminal accidents, contractual disputes, and mistaken delivery damage.
Protects commercial drivers, dispatchers, mechanics, and trucking staff against occupational injuries, medical rehabilitation costs, and lost wages while shielding employers from costly liability lawsuits.
Provides catastrophic liability limits ($1,000,000 to $10,000,000+) extending beyond primary policy limits to satisfy strict shipper contract terms and protect company equity in severe accidents.
Find the right package configuration whether running under your own USDOT authority or leased onto a motor carrier.
| Coverage Line | Independent USDOT Authority | Leased Owner-Operator | Recommended Limit |
|---|---|---|---|
| Commercial Auto Liability | Mandatory (FMCSA required) | Provided by Motor Carrier | $750,000 – $1,000,000 CSL |
| Non-Trucking (Bobtail) | Optional / As Needed | Mandatory (Lease Contract) | $1,000,000 CSL |
| Motor Truck Cargo | Mandatory (Shipper / Broker) | Often Required / Leased Option | $100,000 – $250,000+ |
| Physical Damage (Comp & Collision) | Recommended / Financed Rig | Mandatory if Financed | Stated Value / Actual Cash Value |
| Trailer Interchange | Required for Steamship/Interchange | Required for Non-Owned Box | $20,000 – $65,000 |
| Truckers General Liability | Recommended for Terminal/Dock | Recommended | $1,000,000 / $2,000,000 |
| Commercial Umbrella / Excess | High-Contract Shippers | Optional | $1M to $5M+ |
Call our Delaware City office directly or send your truck specifications below. We quickly shop with progressive carriers to find the policy matching your radius of operation, cargo class, and budget.
Call us today for a quote: 302-223-2552
Email certificates to firststate01@yahoo.com