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Commercial trailer insurance

Commercial trailer insurance

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Compare coverage and limitations for insuring your business trailer.

When you’re looking for coverage for your business trailer, you’ll likely find it under commercial auto insurance. Policies cover a wide range of trailer types, so make sure yours is covered when signing up for a policy.

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Insuring a trailer used for business purposes

Commercial car insurance covers vehicles and trailers used for business purposes and occasional personal use. You can get coverage for most trailers including:

  • Flatbed trailer
  • Utility trailer
  • Dry-freight trailer
  • Auto hauler trailer
  • Dry van trailers
  • Tank trailers
  • Dump trailers
  • Logging trailers
  • Oil field trailers
  • Freight trailers
  • Refrigerated trailers
  • Concession trailers
  • Extension trailers
  • Transfer trailers
  • Agricultural trailers

Compare commercial trailer insurance

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What kind of coverage can I get for my trailer?

Coverage for trailers are typically more comprehensive than what you can get with car insurance.

  • Collision coverage. Protection after a collision with another car or roll over.
  • Liability property damage. This covers you for third-party property damage and legal liability, such as injuries or damage caused by the trailer.
  • Comprehensive. Protects against third-party property damage and liability insurance as well as coverage for damage like theft, fire or storms.
  • Replacement and damage coverage. Get a brand new replacement trailer or have the old trailer repaired.
  • Towing costs. Covers the cost of towing a trailer after a breakdown or accident, depending on your policy.
  • Storage costs. This is coverage for storage costs of your trailer after an accident.
  • Clean-up costs. This covers the cost of removing debris from the road and cleaning up.
  • Business profit protection. Covers you for profit loss while your trailer is out of commission.
  • Additional contents coverage. Most policies cover up to $1,000 of contents of your trailer. Consider additional coverage if your contents are worth more. However, some exclusions apply.
  • Business items. This provides coverage for items like trade tools, merchandise and computers.

Heavy truck and machinery trailer coverage

Truck trailers, specifically for multi-ton loads, can be insured as part of a rigid truck or as a detachable trailer for prime movers. This includes:

  • Rigid trucks
  • Road trains
  • Articulated trailers
  • Dolly trailers
  • Heavy equipment trailers
  • Concrete pumping trailers

You’ll typically want liability coverage, cargo coverage and collision coverage for these kinds of trailers.

Food trailer coverage

You can often tailor business insurance policies to cover food trailers. Look for coverage for refrigerated cargo or defumigation.

Limitations of trailer insurance

  • Make sure you’re covered for mandatory commercial insurance limits, depending on your business.
  • Coverage may vary between insurers and policies, and it’s important to carefully review policies to make sure you have the right level of protection and no significant gaps in coverage.
  • Your policy might not cover non-business items carried on the trailer.
  • It might be difficult to find and navigate these policies without help. Consider an insurance broker to help you fill in any gaps.

Bottom line

If you use a trailer for business purposes, you’ll want to find a commercial auto policy that covers your trailer and business type. Compare your options so you get the best deal with right coverage you need.

Compare commercial truck insurance

Julia Cameron

Julia Cameron is a writer and editor at finder.com who has experience writing in a variety of fields, including finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

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