Protect your driving school. Protect your students. Protect your future. Investing in the right insurance coverage is the smartest move for your school’s long-term success.
Running a CDL or truck driving school comes with a unique set of risks. From training inexperienced drivers in large commercial vehicles to storing trucks and managing daily operations, you need comprehensive insurance coverage to protect your students, instructors, property, and vehicles.
A specialized Truck Driving School Insurance policy is essential to safeguard your school from potential liabilities and meet both legal and operational requirements.
Why You Need Truck Driving School Insurance
Truck driving schools combine commercial vehicles, instruction, and hands-on student experience—making insurance not just a recommendation but a necessity. A properly structured insurance policy will help:
- Protect student and instructor safety
- Meet state and FMCSA insurance regulations
- Safeguard your assets and training vehicles
- Avoid costly lawsuits or business interruptions
Let’s break down the specific coverages you’ll need—and how to find affordable protection tailored to your school.
Key Coverages for CDL Training Schools
Here are the most important types of insurance to include in your truck driving school’s policy:
1. Commercial Auto Insurance
This is the backbone of your policy. It covers damage or liability if one of your school vehicles is involved in an accident during training.
Includes:
- Auto liability (required by FMCSA – minimum $750,000)
- Collision and comprehensive damage
- Physical damage to school-owned trucks
- Coverage for student drivers
💡 Tip: Bundle multiple vehicles under a fleet insurance policy for discounts and simpler management.
2. General Liability Insurance
Protects your business from third-party claims for bodily injury or property damage on your premises or during off-site training.
Example: A student slips in the garage bay or accidentally damages another person’s vehicle.
3. Professional Liability (Errors & Omissions)
Covers claims of negligence, mistakes, or inadequate instruction.
Example: A former student claims they weren’t properly trained and blames the school for a post-graduation accident.
4. Workers’ Compensation Insurance
Legally required in most states, this covers injuries or illnesses instructors or employees may suffer on the job.
Example: An instructor injures their back while helping a student with truck maintenance.
5. Instructors’ Liability Insurance
Protects individual instructors from lawsuits related to actions taken during training.
6. Student Accident Insurance
Covers medical costs for students injured during hands-on vehicle training, whether they’re at fault or not.
Example: A student sustains a wrist injury while learning how to secure cargo.
7. Property Insurance
Covers buildings, equipment, and contents from risks like fire, theft, or vandalism.
Coverage Range: $25K to $1M, depending on the size and value of your facility.
8. Garagekeepers Coverage
If you store student or third-party vehicles, this coverage protects them against theft, fire, vandalism, and other damage while in your care.
Minimum Suggested Limit: $100,000+
Recommended Minimum Insurance Limits
| Coverage Type | Suggested Minimum Coverage |
| Auto Liability (BIPD) | $750,000 – $1,000,000 |
| Commercial Property | $25,000 – $1,000,000 |
| Garagekeepers Liability | $100,000+ |
| Workers’ Compensation | As required by your state |
| Fleet Insurance | Based on total vehicle value |
How to Get Affordable Coverage for Your Driving School
Here are some practical tips to lower insurance costs without sacrificing protection:
- Work With a Trucking Insurance Specialist: Choose an insurance provider who understands the CDL and transportation industry. They can identify coverage gaps and offer tailored policies that fit your operations.
- Bundle Coverages: Combine general liability, commercial auto, property, and instructor liability into a Business Owner’s Policy (BOP) for reduced premiums.
- Maintain Safety Records: A strong safety culture and clean accident history can qualify your school for lower premiums and better underwriting terms.
- Limit Your Risk: Use dash cams, ELDs, and training logs to prove safety protocols, which can help during claims and lower perceived risk for insurers.
- Review Annually: As your school grows, your needs will change. Regularly review your policy to ensure coverage matches your current operations and assets.
Get a Quick Insurance Quote Today
Don’t leave your school vulnerable to unexpected financial risks. Whether you’re just starting out or scaling up your CDL program, we can help you design the right coverage package.
Call 717.625.0066 to speak with a Trucking Insurance Specialist or Request a Quick Quote to get started today.
