The American trucking industry keeps the economy moving, delivering everything from groceries and electronics to construction materials and medical supplies. But with that responsibility comes real risk—on the road, in the cargo hold, and at every stop in between. Whether you’re a single-truck owner-operator or managing a nationwide fleet, the right insurance coverage is the foundation of your safety and success.
That’s where Cogo Insurance comes in. We specialize in trucking insurance—offering affordable, reliable protection for businesses of all sizes across the U.S. With options like Physical Damage Insurance, Truck Cargo Insurance, and Primary Liability Coverage, we help you stay compliant, secure, and ready for the road ahead.
What Is Trucking Insurance?
Trucking insurance is a set of commercial policies designed to protect you, your truck, your cargo, and others on the road. Unlike personal auto insurance, trucking insurance covers the unique risks and requirements of the transportation industry—ensuring you're financially protected against accidents, theft, damage, and legal claims.
Cogo Insurance offers customizable plans that cover:
Truck repairs or replacement
Cargo damage or loss
Accidents involving injuries or property damage
Downtime and operational disruptions
Legal liability and defense costs
Let’s explore the most essential types of coverage you need.
1. Physical Damage Insurance: Protect Your Truck
Your truck is your biggest asset. Physical Damage Insurance helps you recover quickly if your truck is damaged due to:
Collisions
Theft or vandalism
Fire or explosion
Natural disasters (hail, flood, wind, etc.)
At Cogo, we tailor your policy based on your truck’s value, age, and usage. Whether you have a brand-new rig or a used unit, you can get the right level of protection at the right price.
Bonus coverage options:
Downtime rental reimbursement
Towing and roadside assistance
Equipment and accessories coverage
2. Truck Cargo Insurance: Protect What You Haul
Freight losses can ruin contracts and cost you thousands. Truck Cargo Insurance (Motor Truck Cargo) protects the value of the cargo you're transporting if it's lost or damaged due to:
Accidents
Theft or hijacking
Fire, water, or weather damage
Equipment failure (like reefer breakdown)
Whether you're carrying general freight, temperature-sensitive goods, heavy machinery, or high-value electronics, Cogo Insurance helps ensure your cargo—and your client relationships—stay protected.
3. Primary Liability Insurance: Stay Legal and Covered
This is the mandatory coverage that every truck operating on U.S. roads must carry. It covers injuries or property damage you may cause to other people in an accident.
Coverage Includes:
Medical costs
Vehicle or property repairs
Legal defense if you’re sued
Cogo Insurance ensures your policy meets or exceeds federal and state DOT/FMCSA requirements, with flexible limits depending on your routes and cargo.
4. Extra Protection for Peace of Mind
Cogo also offers additional trucking insurance solutions for complete protection:
Non-Trucking Liability (Bobtail) – Coverage when you’re driving without a load or trailer
Trailer Interchange – Protection for trailers you don’t own but use under contract
General Liability – Covers loading docks, terminals, or office locations
Occupational Accident – Protection for drivers not covered under workers’ compensation
Why Choose Cogo Insurance?
We’re more than an insurance agency—we’re your partner in transportation risk management.
🚛 We Know Trucking
Our team focuses exclusively on trucking insurance. We understand the road, the rules, and the real risks.
🛠️ Custom Plans for Any Operation
Whether you're a startup, a solo driver, or managing a fleet of 100+ units, we build coverage to match your needs—not someone else’s.
⚙️ Fast Quotes, Simple Setup
Get covered in hours, not days. Our online tools, dedicated agents, and digital signatures keep the process fast and hassle-free.
🌎 Nationwide Service
From Texas to New York, California to Florida—we offer coverage in all 50 states and know the unique regulations of each.
Trucking Businesses We Serve
No matter your cargo or routes, we’ve got you covered:
Long-haul and short-haul trucking
Hotshot and expedited freight
Reefer and temperature-controlled transport
Flatbed, dry van, and step-deck carriers
Auto transporters
Local delivery services
Hazmat and specialty carriers
How to Get Started with Cogo Insurance
Protecting your trucking business is easier than you think. Here's how to get started:
Visit CogoInsurance.com
Fill out a quick quote request
Talk to a trucking insurance expert
Choose your coverage, sign online, and hit the road
You’ll receive personalized advice and options within hours—not days.
Final Thoughts
Your business rides on your back—and on your wheels. Don't let one accident, theft, or lawsuit destroy everything you've built. With Cogo Insurance, you get industry-specific protection, nationwide support, and peace of mind behind the wheel.
Cogo Insurance: Coverage That Moves With You.
✅ Physical Damage
✅ Cargo Protection
✅ Primary Liability
✅ Fast Quotes & Friendly Service
Drive insured. Drive confident. Drive with Cogo.
Truck cargo insurance