Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.
Trucking Insurance for Owner-Operators & Fleets
Plan for the road ahead with coverage for your Commercial Truck and/or Semi!
Why Do You Need Transportation Insurance?
If your trucking company transports goods for commercial use, insurance is required. Commercial Trucking Insurance is designed to protect businesses involved in the transportation of goods.
We can offer a commercial trucking insurance policy that can be customized to fit your commercial trucking business. With Gateway Insurance Agency's knowledge of the trucking industry; we can be one of the tools your trucking firm can add to your business.
Commercial Trucking Insurance is designed to protect businesses involved in the transportation of goods.
Commercial Trucking Insurance (depending on the policy) protects owner-operators, fleet owners, truck drivers and employees by covering the risks associated with accidents, injuries, property damage, lost cargo, and other expenses in the event of an unfortunate incident.
Trucking Basic Policies
Primary Liability (Required)
Coverage for bodily injury and property damage caused by your truck
Physical Damage Coverage
Covers your truck/tractor, trailer, and equipment for collision and comprehensive (including theft, fire, and vandalism).
Trucking Insurance Optional Endorsements
Motor Truck Cargo Insurance
Provides protection for the goods being transported by the insured vehicle. This includes protection against theft, damage, and loss.
Hired and Non-Owned Auto Coverage
Provides bodily injury and property damage coverage for vehicles not owned by your business, when you rent, borrow, hire or lease on a short-term basis.
Trailer Interchange Insurance: Provides protection for non-owned trailers damage to trailers being hauled with another transportation company (trailer interchange agreement).
Non-Owned Trailer Physical Damage Coverage: Provides coverage for trailers you use temporarily for business operations.
Heavy Truck Roadside Assistance: Covers breakdowns while traveling, including fuel delivery, replacing flat tires, lockout services, jump-starting a battery, towing or winching.
Rental Reimbursement: Pays for lost income and vehicle rental while your truck is being fixed after a covered loss.
Medical Payments Coverage. This option assists with immediate medical expenses for you and your passengers in the event of an accident, regardless of fault.
Bobtail Insurance. Coverage when driving your truck without a trailer-between loads or after drop-off.
Non-Trucking Liability. Covers non-business use of your truck (when not under dispatch).
Other Endorsements. Downtime/rental, roadside/towing, gap coverage, cargo refrigeration breakdown, and more.
Multiple factors affect how the policy is written, including:
- Business Operation and Coverage Requirements
- USDOT/MC number (if applicable)
- Truck, trailer, and equipment details (VIN, year, value, #)
- Driver list and MVRs
- Garaging location, operating radius, and primary routes
- Cargo/Commodity hauled
- Loss runs/history (if available)
- Security measures you take when storing your trucks when not in use
Answers for ND Carriers
What limits do I need?
Many carriers carry $1M liability; higher limits may be required by contract or commodity.
Do you insure owner-operators?
Yes-we have several options.
Can you cover my cargo?
Yes-terms depend on commodity and value; we'll tailor your cargo form.
What about downtime and rentals?
We can discuss rental reimbursement and downtime endorsements where available.
Get reliable insurance protection for your Commercial Truck!
Bowerman Insurance Agency can help you plan for the road ahead. Commercial vehicles are out on the road more often and for longer periods of time!
We offer the trucking insurance coverage and services businesses need for their owners, operators, trucks, semis, and trailers from financial loss in the event of an accident or other covered event.
When customers know you are adequately insured, they are more likely to trust and use your business.