Existing client? Request a certificate
Trucking insurance for owner-operators and trucking companies
Coverage for how you actually run, explained in plain English by a team with about 10 years in the truckingย business.
- Commercial trucking specialists
- Help with filings and certificates
- Straight answers before you buy
Who we work with
Built for the way trucking works
Whether you run one truck or many, we build around how you operate.
Owner-operators
Own authority or leased on? We help arrange liability, cargo and physical damage around your operation, contracts and lease requirements.
See coveragesNew authority
Applied for your authority or about to? We explain what has to be on file before your first load and help you start early.
New authority guideTrucking companies
We look at your trucks, drivers, contracts and lanes before we recommend coverage.
Get a quote
How it works
From first call to certificates
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Step 1: Tell us about your trucks
Fill out the short quote form or call. Tell us what you haul, where you run and your authority status.
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Step 2: We compare your options
We line up quotes that fit what you haul and what your contracts require. Then we walk you through each option.
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Step 3: You choose, we handle it
Once you choose a policy and coverage starts, we coordinate the required filings and send the certificates you request to your brokers and shippers.
What we cover
Coverage for trucking operations
The policies we help arrange for trucking operations. Here’s what each one is for.
- Primary auto liabilityInjury and damage you cause to others on the road. Often required if you haul for hire.
- Physical damageRepair or replacement of your truck and trailer after a covered loss.
- Motor truck cargoThe freight in your care. Many brokers and shippers ask for it.
- General liabilityCan cover certain business liability claims that don’t come from driving.
- Bobtail & non-truckingTwo coverages for leased-on owner-operators. Your lease and policy set what applies.
- Occupational accidentCan provide medical and income benefits after a covered work-related injury.
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Learn more
Filings and certificates
When required, we coordinate BMC-91/91X filings and the MCS-90 endorsement and send certificates to your brokers and shippers when you ask.
Coverage depends on the terms and conditions of each policy.
About Pharos
Insurance from people who know trucking
Our team has driven trucks, owned trucks and dispatched drivers. We work with freight brokers every day, so we know what they ask for before a load gets booked.
When you call Pharos, you talk to someone who knows trucking.
Existing client?Request a certificateReady to get quoted?
Tell us what you need. We’ll get back to you within one business day, often the same day.
Have your MC or USDOT number handy, if available.
English & Spanish spokenSe habla español