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Transportation Insurance


Motor Carrier Insurance Education Foundation LogoAt Dow Insurance, we understand the unique insurance needs of your trucking business. From tractor-trailers to vans, and owner-operators to fleets, Dow Insurance has the coverages you need to protect your trucking business.

Primary Auto Insurance

Insurance that covers damage or bodily injuries to others as a result of an accident. This coverage is mandated by state and federal agencies, and proof of coverage is required and must be sent to those agencies.

Hired Auto Liability

Insurance that covers bodily injury and damages to the property of others if insured causes an accident while they are driving a leased, hired, rented, or borrowed vehicle for business use.

Insured Sand and Gravel TruckNon-owned Auto Liability

Insurance that provides vicarious liability coverage for bodily injury and damages to the property of others caused by a vehicle not owned by the insured but driven by an insured employee while on company business.

Hired Physical Damage / Bailee Coverage

Insurance that provides coverage against loss or damage to non-owned trucks and trailers hired, rented or borrowed by insured for business use.

Trailer Interchange

Insurance that provides coverage for one or more trailers while under your care, custody, and control whether they are attached or not. This requires a written trailer interchange agreement.

Non-trucking Liability

Insurance that provides limited liability insurance for owner-operators who are permanently leased to a motor carrier. It provides limited liability protection when the owner-operator is not on dispatch, nor pulling a loaded trailer.

Physical Damage

Insurance that provides coverage for power units and physical damage to trailers. This coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, vandalism, etc., to your owned vehicles. Lien holders require this coverage.

Motor Truck Cargo

Motor Truck Cargo insurance is needed to protect the carrier in case of lost freight or damaged goods. Coverage is tailored to your business and the cargo you carry. Pricing varies on types of cargo and policy limits per load.

Workers Compensation

Schedule of benefits payable to an employee by his employer without regard to liability, required by state law in the case of injury, disability, or death as the result of occupational hazards. Includes coverage against the common law liability of an employer for injuries to employees as distinguished from the liability imposed by a Workers Compensation law.

Occupational Accident

Insurance that provides owner-operators with an affordable source of indemnification for work accident injuries. This coverage offers important benefits for Accidental Death and Dismemberment, Accident Medical and Accident Disability Income. It is an affordable option for owner-operators who do not fall under the requirements of worker’s compensation statutes.

Excess Liability

Insurance that provides excess liability limits over underlying auto, general, and employer liability.

Employment Practices Liability

Insurance that covers the legal liability of insureds in their capacity as employers for damages caused by covered wrongful employment practices. Exposures can include workplace harassment by other employees or supervisors, recruiting, hiring, evaluating, disciplining, and terminating employees.


Insurance that provides coverage for buildings, contents, and business income.

Primary Auto Liability

Insurance is required by federal regulations. Every Motor Carrier must have liability insurance on every commercial vehicle they own or lease. Liability insurance protects you when a third party is injured in an accident. Owner-operators should ask when leasing onto a company who will pay for their primary auto liability.