Illinois Transportation & Trucking Insurance Experts
Comprehensive commercial trucking insurance solutions for Illinois carriers. Expert coverage for cargo, liability, physical damage, and DOT compliance.
Get Your Free Quote TodayProtect your cargo and your business with comprehensive coverage for goods in transit.
DOT-compliant liability coverage that meets federal and state requirements for commercial carriers.
Comprehensive and collision coverage for your trucks, trailers, and equipment.
Essential coverage for owner-operators when operating outside of dispatch.
Protect your business from third-party claims and everyday business risks.
Required coverage for your drivers and employees with competitive rates.
Understanding and maintaining proper insurance coverage is critical for DOT compliance. We ensure your operation meets all federal and state requirements.
Minimum $750,000 liability coverage required for most general freight operations in interstate commerce.
$1 million minimum for hazmat placarded quantities, up to $5 million for certain hazardous materials.
$1.5 million for vehicles with seating capacity of 16+ passengers, $5 million for passenger transport.
Federal endorsement required for all interstate carriers to guarantee minimum coverage levels.
Financial responsibility filings required by FMCSA for motor carriers and brokers.
Illinois intrastate carriers must meet state-mandated insurance minimums and filing requirements.
Interstate and cross-country operations
Regional and local distribution services
Temperature-controlled cargo specialists
Oversized and specialized equipment transport
Hazardous materials certified operations
Independent contractors and leased operators
Vehicle transport and car carrier operations
Multi-vehicle operations and fleet management
Illinois trucking companies must carry minimum Motor Truck Liability insurance based on cargo type: $750,000 for general freight, $1 million for hazardous materials, and up to $5 million for passenger transport. Additional requirements include MCS-90 endorsements and proper DOT filings.
Trucking insurance costs vary based on factors like fleet size, cargo type, operating radius, driver experience, and safety record. Motor truck liability can range from $8,000-$15,000+ annually per truck. Physical damage and cargo insurance add to total costs. We provide customized quotes based on your specific operation.
Motor Truck Liability covers bodily injury and property damage you cause to others while operating your truck. Cargo Insurance protects the freight you're hauling against damage, theft, or loss. Both are typically required - liability by DOT regulations and cargo by customer contracts or brokers.
Yes, owner-operators often need Non-Trucking Liability (bobtail insurance) for when they're not under dispatch, in addition to standard Motor Truck Liability. Fleet owners need broader coverage including hired and non-owned auto insurance. We specialize in both scenarios and can customize coverage for your situation.
We can often provide same-day coverage for qualified trucking operations. Once we receive your application and required documents (DOT number, driver information, vehicle details), we can issue certificates of insurance quickly. Contact us for expedited service if you have urgent coverage needs.
Key factors include: operating radius (local vs. long haul), cargo type (general freight vs. hazmat), driver experience and safety records, claims history, vehicle age and condition, coverage limits, and deductibles. Maintaining good safety scores and CSA ratings can help reduce premiums over time.
