Your business works on the move — let’s protect that momentum
Meet FMCSA insurance requirements without the paperwork headaches. Secure the proper filings and endorsements needed for specialized loads and interstate operations.
Recover quickly from accidents, breakdowns, and cargo claims with 24/7 support. Focus on hauling freight while your insurance experts manage the unexpected.
Specialized coverage designed for tow operators facing unique risks. Includes on-hook protection for vehicles being towed, garagekeepers coverage, and liability during roadside operations.
Protection for when you’re driving without a trailer and not under dispatch. Many truckers mistakenly think their primary policy covers this — we’ll make sure you’re protected between loads.
Covers non-driving incidents that auto liability doesn’t. Protects against injuries during loading/unloading, damage to premises, and advertising claims. Required by most shippers and brokers — we’ll help you secure the right coverage at competitive rates.
Coverage for owner-operators when not under dispatch. Protects you during personal use of your commercial vehicle when your carrier’s insurance doesn’t apply. Often confused with bobtail insurance, we’ll help you understand which one your lease requires.
Good insurance is just the start. We help you prevent losses before they happen, and recover quickly when they do.
Here’s how:
We’ll help create driver safety protocols that reduce accidents and lower premiums.
We’ll connect you with carriers offering FMCSA compliance assistance.
We'll audit your records to identify gaps before DOT inspections do.
We'll analyze your SMS/CSA scores and provide recommendations to reduce them.
You'll get access to immediate reporting, for a fast response, when you need it.
Get fair payouts and faster resolutions.
When applicable, we’ll find policies where you pay only one deductible when both your truck and cargo are damaged.
We’ll handle the paperwork maze so you can focus on getting back on the road.
Running coast to coast means navigating different states, different rules, and different risks. We’ll find you OTR coverage that protects you across state lines. We compare options from multiple carriers so you get comprehensive protection without overpaying
Your truck is your business — and we treat it that way. Whether you’re running under your own authority or leased on with a carrier, we’ll shop for policies that protect your rig, your income, and your future at rates that make sense. Even leased operators need bobtail coverage for when they’re not under dispatch, and physical damage protection to cover their truck itself.
More trucks should mean more savings. We’ll find fleet programs that package auto liability, physical damage, general liability, and cargo into one convenient policy. Everything handled in one place — no dealing with multiple companies or adjusters. Most policies list specific vehicles, so you’ll always know exactly which ones are covered, and what you’re paying for.
Don’t see your industry here?
Contact us to discuss your needs — we serve all trucking operations.
Common questions about trucking insurance
Yes. The carrier covers liability when you’re hauling their loads, but you still need non-trucking liability/bobtail coverage when not under dispatch. You’ll also need physical damage coverage for your truck — the carrier won’t pay if your rig gets damaged.
Not if you stay under 26,001 lbs GVW. That’s why many hotshot operators use duallies — you can start hauling without CDL training. Your insurance rates will reflect this lower regulatory threshold.
Gold River is more than an insurance broker. We’re your partner on the road. We’ll handle your insurance needs while you handle the highway. With market clout that gets you competitive rates, expertise to guide you through DOT compliance, and real support at every stop along the way.
