Georgia Trucking Insurance — Shopped Across Multiple Carriers
Whether you're running one truck down I-75 or managing a fleet out of Atlanta, we find the coverage your operation actually needs — from AM Best A-rated carriers, not just whoever pays us the highest commission.
You're Covered When...
Real situations, plain English. Here's what your coverage actually does when it matters.
Your truck jackknifes on I-75 and damages three vehicles
Primary Liability covers the other vehicles and injuries. Physical Damage covers repairs to your truck. One call to us starts the claim — we advocate alongside you.
Cargo stolen overnight at a truck stop in Macon
Motor Truck Cargo covers the value of your load. We make sure your cargo limits actually match what you're hauling — many truckers are underinsured here.
You're driving home empty after dropping a load — no trailer, no contract
Bobtail Insurance (Non-Trucking Liability) covers you when you're operating outside a trucking contract. Most truckers don't know this gap exists until they need it.
An uninsured driver rear-ends your rig at a red light
Uninsured/Underinsured Motorist coverage steps in when the at-fault driver has no insurance or not enough. Without it, you absorb the loss.
Your driver gets injured loading freight — no workers comp in place
Workers Compensation or Occupational Accident coverage protects your drivers and protects you from liability. Georgia requires workers comp for most employers.
Coverage Types — In Plain English
Every type of coverage relevant to your operation, explained without jargon. Coverage availability and terms subject to carrier underwriting.
Primary Liability
Covers bodily injury and property damage you cause to others while operating your commercial vehicle. Federally required for all interstate carriers — minimum $750,000 for general freight, $1,000,000 for household goods and hazmat.
Example: Your truck rear-ends a car on I-285. Primary Liability pays for the car repairs and the other driver's medical bills.
Physical Damage
Covers damage to your own truck and trailer. Breaks into two parts: Collision (damage from accidents) and Comprehensive (theft, fire, weather, vandalism). If you have a loan or lease on your truck, your lender likely requires this.
Example: Hail storm damages your cab while parked. Comprehensive covers the repair.
Motor Truck Cargo
Covers the freight you're hauling if it's lost, stolen, or damaged in transit. Coverage limits must match your actual cargo value — many truckers carry limits far below what they haul. Shippers and brokers often require minimum cargo limits before dispatching.
Example: Electronics load stolen from your trailer overnight. Cargo insurance pays the shipper's claim.
Bobtail Insurance
Covers you when driving your truck without a trailer, outside of a trucking contract — typically driving to pick up a load or heading home after a delivery. Most motor carrier policies stop covering you the moment the load is delivered. Bobtail fills that gap.
Example: You drop a load in Savannah and drive your bobtail back to Atlanta. You're in an accident — Bobtail covers it. Your motor carrier policy doesn't.
Motor Truck General Liability
Covers bodily injury and property damage that happens away from your truck — at a loading dock, on a customer's property, or related to your trucking operations but not the vehicle itself. Different from Primary Liability, which only covers while you're operating the vehicle.
Example: You accidentally damage a warehouse door while loading. Motor Truck GL covers it — Primary Liability doesn't.
Trailer Interchange
If you haul trailers you don't own under a trailer interchange agreement, Physical Damage on your truck doesn't cover the borrowed trailer. Trailer Interchange fills that gap. Common for flatbed, refrigerated, and intermodal operators.
Example: You're pulling a leased refrigerated trailer under an interchange agreement. The trailer is damaged in a rollover. Trailer Interchange covers the trailer owner's loss.
Uninsured / Underinsured Motorist (UM/UIM)
Covers your injuries and losses when the at-fault driver has no insurance or insufficient limits. Given the number of uninsured drivers on Georgia roads, this is one of the most overlooked and most important coverages for owner-operators.
Example: An uninsured driver runs a red light and totals your cab. UM/UIM covers your losses when the other driver can't.
Workers Compensation
Covers medical expenses and lost wages for employees injured on the job. Georgia requires workers comp for businesses with 3 or more employees. If you have drivers on payroll, this is not optional.
Example: Your driver slips loading freight and breaks an arm. Workers Comp covers medical bills and a portion of lost wages during recovery.
Occupational Accident
An alternative to Workers Comp for owner-operators who are independent contractors rather than employees. Provides medical and disability benefits for on-the-job injuries at lower cost than traditional Workers Comp. Many owner-operators who drive under a motor carrier's authority use this instead.
Example: You're an owner-operator — not an employee. You're injured in an accident. Occupational Accident covers your medical bills and disability income without the complexity of a full Workers Comp policy.
The Coverage Most Truckers Don't Know They Need
Bobtail Insurance (Non-Trucking Liability)
When you deliver a load and drive your truck home — or to your next pickup — you're driving outside of your trucking contract. Your motor carrier's policy stops covering you the moment the load is delivered. Bobtail Insurance covers that gap. It's one of the most commonly missed coverages in trucking, and one of the least expensive to add.
If you drive your truck at any point without an active load or dispatch, you need Bobtail coverage. Your broker should be asking about this on day one.
Who We Cover
Peach Policy works with Georgia-based trucking operations of all sizes:
- Owner-operators running one truck, whether local or interstate
- Small fleets (2–10 trucks) managing drivers and multiple routes
- Large fleets (11+ trucks) with complex multi-state operations
- Specialized haulers — flatbed, refrigerated, tanker, hazmat, auto transport
We shop your coverage across multiple AM Best A‑rated carriers simultaneously. Every quote comes with a minimum of 3 carrier comparisons — AM Best rating, premium, and coverage terms side by side so you can make an informed decision.
The Carriers Most Brokers Never Show You
The big names you recognize — Progressive, Sentry, Great West Casualty — aren’t always the best fit for every operation. Carriers like Canal Insurance, National Liability & Fire, and Protective Insurance specialize in commercial trucking and often deliver stronger coverage at better prices for specific risk profiles.
We evaluate every carrier on financial strength (AM Best rating), niche specialization in commercial trucking, and claims performance — not commission rate. You see the comparison. You make the call.
Georgia & FMCSA Compliance Requirements
Federal and Georgia state regulations set minimum coverage requirements for commercial trucking. These are floors — not recommendations. Operating below minimums puts your operating authority and your business at risk.
FMCSA Primary Liability Minimums
Interstate carriers hauling general freight: $750,000 minimum. Household goods: $1,000,000. Hazardous materials (certain classifications): $1,000,000 to $5,000,000. These are FMCSA minimums — actual liability exposure can far exceed these limits.
FMCSA Operating Authority (MC Number)
Interstate carriers must register with FMCSA and maintain a Motor Carrier number. Proof of insurance (Form MCS-90 endorsement) must be filed with FMCSA before authority is granted. Your insurance must include the MCS-90 endorsement — not all policies do.
Georgia Intrastate Carriers (GDOT)
Georgia-only carriers operating vehicles over 10,001 lbs must register with the Georgia Department of Transportation and carry applicable state minimum liability coverage. Requirements vary by vehicle weight and cargo type.
Workers Compensation — Georgia
Georgia law requires workers compensation insurance for businesses with 3 or more employees. Owner-operators under their own authority who have no employees are exempt — but as soon as you add a driver, you're likely required to carry it.
Unified Carrier Registration (UCR)
Most interstate motor carriers must register annually with UCR and pay applicable fees. This is separate from FMCSA registration and is often overlooked during initial setup.
Requirements listed are minimums. Peach Policy reviews your specific operation to ensure you meet all applicable federal and state requirements.
Get Your Free Coverage Analysis
We'll shop multiple AM Best A‑rated carriers and call you with a comparison. No pressure. No jargon. Just the right coverage for your operation.
- Minimum 3 carrier comparisons on every quote
- AM Best A‑ rated carriers only
- We call you back within 24 hours
- Georgia License #243678 · NPN #21748833
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