Find Answers to Your Most Common Questions

Accidents happen, loads get damaged, and one bad day can wipe out everything you’ve worked for. Trucking insurance is your financial safety net, it steps in so you’re not paying out of pocket for repairs, lawsuits, or lost cargo. Most states and brokers also require it before you can haul a single load.

We offer a wide range of insurance policies to meet the specific needs of businesses and individuals in the trucking and logistics industry, including:

• Primary Truck Liability — Covers the other party if you’re at fault. Required by federal law.
• Physical Damage — Protects your rig from wrecks, theft, or underinsured drivers.
• Cargo Insurance — Covers damaged, stolen, or lost freight in transit.
• Occupational Accident — Fills the workers’ comp gap for owner-operators.
• General Liability — Covers incidents beyond the truck — loading docks, property damage, etc.
• Trailer Interchange — Covers trailers you pull but don’t own.
• Excess Liability — Extra protection when a claim exceeds your standard limits.

It depends on your operation, what you haul, how far you run, and whether you’re leased or own your authority. Our advisors skip the cookie-cutter approach and build coverage around your actual situation. You shouldn’t pay for what you don’t need, or go without what you do.

• Driving record & claims history
• What and how far you’re hauling
• Truck age and value
• Your deductible amount
• Business size and DOT history

New authority pays more upfront. Clean record over time brings it down. We’re upfront about every factor, no surprises.

Yes, and most truckers do. Bundling liability, cargo, and physical damage under one provider means one contact, smoother claims, and usually better rates. We’ll put together a package that covers your full operation, whether you’ve got one truck or twenty.

You’ll need:

• DOT/MC Authority
• Vehicle Registration & VIN List
• Driver Qualification Files (CDL, MVR)
• Safety Rating / CSA Report
• 3–5 Years Loss Runs
• Current COI (if applicable)
• Basic Business Info (revenue, driver count, haul type)

We use:

• Safety-based discounts
• Usage-based pricing
• Multi-policy bundling
• Low-mileage credits
• Risk management coaching

Most clients save 5–20% on their rate.

No problem. Submit a signed statement of any past accidents or claims Alvix can still quote you under a new-business rate. Build clean history with us and your premium drops at renewal.

Yes. Accidents and breakdowns don’t follow business hours, and neither does our claims hotline. It’s staffed 24/7 with real people who understand trucking, ready to help whenever you need it.

It’s not legally required, but it’s strongly recommended. Your physical damage policy covers the truck, not the freight inside it. Many major shippers also require a cargo endorsement on your COI regardless of who owns the load.