Short-Haul Trucking Insurance

Short-Haul Trucking Insurance

Who can
we Help

As a Commercial Truck Insurance Provider for Short-Haul Truckers, we have a solution to assist you no matter what level your trucking company is currently at.

We can help no matter what you are hauling:

  • Semi-Trucks
  • Delivery Trucks
  • Light use trucks
  • Moving vans
  • Straight trucks
  • Box trucks
  • Refrigerated trailers
  • Hotshot Trucking

Short-Haul Trucking Insurance

What and Why?

What is Short-Haul Trucking Insurance?

If you are a short-haul trucking carrier, you mostly stay within a 150 air-mile radius and report back to the same location to end your day. These operations usually function locally, and it is an attractive way to bring in new drivers who want to be home each night. These companies can range from a few drivers to very large-scale operations that host regional hubs. They can include hotshot trucking and box truck delivery as well. 

There are a lot of risks that come along with short-haul trucking.

Why do you need Short-Haul Trucking Insurance?

FMCSA regulations are in place to protect drivers and ensure they operate with the utmost safety, avoiding potential road hazards.

Your trucking compliance plays a major role in your insurance rates.

We are here to educate you on all risks, no matter what you are hauling.

We specialize in Commercial Trucking Insurance and work with our partners, Compliance Navigation Specialists, to cover your compliance needs as well.

plan of action

know your Coverage

It is important to keep in mind legal requirements when obtaining trucking insurance. Commercial Truck Insurance is mandatory in all 50 states and failure to obtain coverage could cost you a lot of money in fines or even worse, your license. By law, you must have a minimum of 750,000 in auto liability and cargo coverage (coverage depends on what your trucks are hauling). 

Auto Liability
1 K+

Auto Liability, also known as Bodily Injury Physical Damage (BIPD), depends on the overall gross-vehicle weight (GVW) when hauling.

Under 10,001 lbs GVW = $300,000 while over 10,001 lbs GVW = $750,000



Umbrella insurance is a supplemental policy that provides additional liability coverage beyond the limits of your standard insurance policies. 

Physical Damage
1 K+

Physical Damage is not required for Commercial Truck Insurance, but we do recommend it. Coverage depends on what you are driving and can range from $1000 to $200K.

Types of Coverage


Reefer Breakdown

Provides you protection in the event that your refrigerated trailer breaks down due to mechanical failure of the temperature control system. This coverage will provide insurance for the loss of cargo so you don’t have to.



Whether you operate as a long-haul or short-haul trucker, you will always run into the risk of getting into an accident. That’s why all states require you to carry liability insurance.

Your transportation liability insurance will cover bodily injury, provide financial support for medical expenses, and property damage. If legal action is taken out against you because of the accident, your liability insurance will also cover the cost of your defense, regardless if you are found to be at fault or not.


Medical Payments

Provides short-haul truckers medical payments to help pay hospital bills resulting from an accident despite who is at fault.


Physical Damage

This is the type of insurance that you need to pay for the damage to your tractor/trailer during an accident, or because of another covered loss. Coverage will include both comprehensive damage caused by vandalism, theft or severe weather, as well as collision damage caused by an accident.


Underinsured or Uninsured Motorists Insurance

If your truck/trailer is damaged or you sustain injuries in an accident that is caused by a party that does not have sufficient Auto Insurance coverage, this coverage will pay for your injuries.


Request a quote

Before we can get you an estimate, we are going to need some information. Fill out a complete quote or quick quote to get started.


Get coverage

After we gather all of your information we will get back to you with a detailed breakdown of your coverage and how much it will cost.


Start saving

Our Commercial Truck Insurance specialists are constantly working to get you the best rates, whether you are a new or existing client.

Customers Reviews


Company A, a 9-truck carrier, approached CNS due to a problem in their operations. Their surplus lines carrier who was charging $190,000 annually for 9 trucks was canceling their liability insurance. The trucking company called CNS to see what could be done.

CNS reviewed carrier’s roadside safety, performance, driver files, loss ratio history, systems, and process. CNS analyzed the company had no losses but high BASIC SMS scores. Upon further investigation there were only two drivers that had bad records.

CNS developed hiring and qualification standards and implemented these standards within the company. The company also engaged CNS to manage their divers through drivers qualifications, monitoring drivers and training drivers.

As shown in the graph, the clients safety scores improved year after year.

As a result of the improved safety scores CNS Insurance was able to secure insurance which saved the company $100,000.00 in annual premium. The client has been a loyal CNS and CNS Insurance customer for 6 years.

We Are Your Insurance Family

We are always a phone call away.

Our customer service is unmatched and we take pride in the fact that we build lasting relationships with everyone we talk to whether you are a client or not.

Quick Commercial Truck Insurance Quote

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