Transportation / Trucking Insurance

Why Cornerstone Insurance for Your Trucking Coverage

Finding affordable trucking insurance that actually fits your operation is not always straightforward. At Cornerstone Insurance, we have spent years working alongside carriers and owner-operators throughout the I-85 and I-77 corridors, from Charlotte and Concord through the Triad and into Upstate South Carolina. We stay active with regional trucking associations and keep pace with the regulatory changes that affect your bottom line. Our coverage extends across the Southeast, including NC, SC, GA, and TN. We partner with top-tier national carriers so our team can build custom policies for semi-trucks, tractor-trailers, box trucks, hot shots, refrigerated units, and logging trucks alike.

Our agents live and work in the communities you drive through every day. They keep your policy current with no hidden gaps, and they shop aggressively to hold your premiums down. That means you can put your energy into moving freight instead of second-guessing your coverage. We offer a full range of trucking insurance products so you can pick exactly what your operation needs.

PHYSICAL DAMAGE

Physical damage coverage, often grouped with collision insurance, pays to repair or replace your tractors and trailers after an accident. Protection applies around the clock, whether the vehicle is hauling a load or parked at home on a Sunday. We also offer enhancement options that let you tailor this coverage to match your fleet's specific needs.

NON-TRUCKING LIABILITY

Non-trucking liability is designed for permanently leased owner-operators who need liability protection during personal, off-duty use of their rigs. It kicks in when you are running errands or driving to the grocery store, not when you are pulling a loaded trailer or generating revenue for a motor carrier. Any time you are dispatched, trip-leasing, or hauling for profit, the trucking company's primary auto liability policy takes over.

TRUCKER LIABILITY

Also called Primary Liability, this is the essential baseline of any commercial trucking policy. State and federal regulations require it before you can legally operate, and it provides legal liability protection if your truck is involved in an accident. Keep in mind that trucker liability does not cover damage to your own vehicle or the freight you are carrying. It is one important piece of a broader insurance program.

TRUCKER CARGO INSURANCE

Cargo insurance protects the goods you are hauling against theft, damage, and loss. If a load is destroyed in an accident, stolen at a rest stop along I-85, or damaged by weather while in transit, this coverage provides the financial safety net that keeps your business relationships intact. It is separate from the policy that covers your truck itself and is critical for owner-operators and fleet owners who cannot afford to absorb the cost of a lost shipment.

WORKERS’ COMPENSATION INSURANCE FOR FLEET OWNERS

If you employ drivers in North Carolina or South Carolina, workers' compensation is almost certainly a legal requirement. This coverage handles medical bills and lost wages when an employee is injured on the job. For fleet owners on our select motor carrier sponsored occupational accident programs, we offer a workers' comp option built specifically for the trucking industry.

PASSENGER ACCIDENT INSURANCE

Sometimes a friend, family member, or ride-along joins you in the cab. Passenger accident insurance provides coverage for anyone traveling in your truck who is injured during an accident, giving you peace of mind when you have company on the road.

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