Ohio Motor Carrier Insurance

If you're an independent contractor or trucking company in Ohio, protecting your business with the right insurance coverage is critical. Whether you operate under your own authority or are permanently leased to a motor carrier, Ohio Motor Carrier Insuranceprovides the protection you need to operate safely and legally.

These insurance plans are specifically designed for for-hire trucking businesses—so before making your next move, it's important to understand which coverages are required and which additional options can strengthen your protection.

The trucking industry carries unique risks, making certain coverages an absolute necessity. Others can be added for extra security, depending on your operations.

• Liability Insurance – The foundation of every Ohio motor carrier insurance policy. Liability insurance covers damages you may cause to others, including:
  • Bodily Injury Liability – Covers medical expenses and legal defense if someone is injured due to your operations.
  • Property Damage Liability – Covers repair or replacement costs for damage you cause to other people's property.

For many independent truck drivers working under a motor carrier, Primary Liability insurancemay be provided by the company. However, it is mandatory that every for-hire carrier in Ohio has Liability insurance in place—it serves as proof that your business does not pose undue risks to you, your cargo, or the public.

To fully protect your business, your truck, and the freight you carry, consider these additional insurance options:

• Physical Damage Insurance – Protects your truck from damage caused by collision, fire, theft, vandalism, or natural disasters. This coverage typically includes:
  • Collision Coverage
  • Comprehensive Coverage
  • Fire and Theft with Combined Additional Coverage
• Motor Truck Cargo Insurance – Protects the goods you haul in case they are lost, stolen, hijacked, or damaged during transit.
• Uninsured/Underinsured Motorist Insurance – Provides compensation if you or your passengers are injured or your vehicle is damaged by a driver who has little or no insurance.
• Medical Payments (MedPay) Insurance – Helps cover medical expenses for you and your passengers if you're injured in a covered accident.

Meeting Ohio's motor carrier insurance requirements is not just about compliance—it's about protecting your livelihood. Without the proper coverage, a single accident could lead to devastating financial loss.

Our team of Ohio trucking insurance specialists will help you:

• Understand and meet state and federal insurance requirements.
• Customize coverage that matches your operation and risk level.
• Find affordable rates without compromising protection.

🚚 Stay safe on the road and protect your investment—contact us today to get an Ohio motor carrier insurance quote tailored to your business needs.