Trucking Insurance in Utah County

Trucking Insurance in Utah County

Coverage built for the road. Not just a standard commercial policy. Get a Trucking Quote →

Trucking Insurance for Utah County Operators

Utah County has a strong commercial trucking presence — from local delivery operations and construction haulers to long-haul owner-operators based in the area. Trucking insurance is specialized, and a standard commercial auto policy almost never covers what you actually need.

I work with carriers that understand the trucking industry — not just insurers slapping a “commercial” label on a personal auto policy.

Trucking Coverage Options

  • Primary liability — Required by the FMCSA; covers damage or injury you cause to others on the road
  • Physical damage — Covers your truck and trailer from collision, theft, fire, and weather
  • Motor truck cargo — Protects the freight you’re hauling
  • Non-trucking liability (bobtail) — Covers you when driving your truck for personal use, not under dispatch
  • Trailer interchange — Covers trailers you pull but don’t own
  • Occupational accident — Protection for owner-operators who aren’t covered by workers’ comp
  • General liability — For incidents at loading docks, customer locations, or your yard

Who I Help

  • Owner-operators (single truck)
  • Small fleets (2–10 trucks)
  • Local delivery and courier operations
  • Construction haulers and dump trucks
  • Box trucks and cargo vans

Get a Free Trucking Insurance Quote

Name

Call or text: 801.800.2968 | Serving trucking operators across Utah County and statewide.

Trucking Insurance FAQs

What insurance does an owner-operator need in Utah?

Owner-operators typically need primary auto liability (FMCSA requires a minimum of $750,000), physical damage coverage, cargo insurance, and sometimes occupational accident or non-trucking liability. Lincoln Selk works with specialty trucking carriers.

What is primary liability trucking insurance?

Primary liability is the foundational coverage for commercial truckers, paying for bodily injury and property damage you cause to others. Federal regulations require owner-operators to carry minimum limits of $750,000 to $1,000,000 depending on cargo type.

Do I need cargo insurance as a trucker?

Most shippers and brokers require cargo insurance before loading your truck. Cargo insurance pays to replace goods damaged, stolen, or lost in transit. Match your cargo policy to the types of freight you haul.

How much does commercial trucking insurance cost in Utah?

Owner-operators in Utah typically pay $8,000 to $20,000 per year for a full package. Costs vary by driving record, experience, routes, cargo type, and truck value. Lincoln Selk shops specialty carriers for competitive rates.

Scroll to Top