Whether you operate one truck or an entire fleet, transportation companies face unique risks every day. From accidents and cargo losses to regulatory requirements and rising claim costs, having the right insurance coverage is essential to keeping your business moving.

At Iverson Insurance, we help trucking companies and transportation businesses throughout Minnesota and beyond find coverage solutions tailored to their operations. With over 10 years of transportation insurance experience, we understand the challenges carriers face and work to secure competitive coverage from reputable insurance providers.

Get a transportation insurance review today and see if we can improve your coverage, pricing, or both.

Who We Insure

We work with a variety of transportation businesses, including:

• For-Hire Trucking Operations
• Long-Haul Trucking Companies
• Local and Regional Haulers
• Dry Van Fleets
• Flatbed Operations
• Refrigerated Carriers
• Dump Truck Contractors
• Hot Shot Trucking
• Owner Operators
• Contract Haulers
• Specialized Freight Carriers
• Fleet Operations

Transportation Insurance Coverages

Auto Liability

Required for most trucking operations, Auto Liability coverage helps protect your business if a driver causes bodily injury or property damage to others while operating a covered vehicle.

Coverage may help with:

• Third-party bodily injury claims
• Property damage claims
• Legal defense costs
• Settlements and judgments

Physical Damage Coverage

Physical Damage coverage helps protect your trucks, tractors, trailers, and other covered equipment from physical loss.

Coverage can include:

• Collision
• Fire
• Theft
• Vandalism
• Weather-related damage
• Comprehensive losses

Motor Truck Cargo

Cargo insurance helps protect the freight you transport for customers.

Coverage may respond to losses caused by:

• Vehicle accidents
• Theft
• Fire
• Cargo damage during transit
• Certain refrigeration breakdown exposures

Cargo requirements often vary by commodity type and contract obligations.

General Liability

General Liability coverage protects your business from claims that occur away from the operation of your trucks.

Examples include:

• Customer injuries at your location
• Loading dock incidents
• Property damage claims
• Advertising injury claims
• Legal defense expenses

Trailer Interchange

If you haul trailers owned by others under a trailer interchange agreement, this coverage helps protect against physical damage to those non-owned trailers while in your possession.

Non-Trucking Liability

Designed primarily for owner operators, Non-Trucking Liability can provide protection when a truck is being operated for personal use outside of dispatch or business activities.

Workers Compensation

Workers Compensation helps cover medical expenses and lost wages when employees suffer work-related injuries or illnesses.

Coverage may include:

• Medical treatment
• Lost income benefits
• Rehabilitation expenses
• Employer liability protection

Occupational Accident

For independent contractors who may not be covered under workers compensation, Occupational Accident coverage can provide benefits for injuries sustained while working.

Umbrella Liability

Umbrella coverage provides an additional layer of liability protection above underlying policies.

This can be especially valuable for transportation companies facing:

• Serious injury claims
• Multi-vehicle accidents
• Nuclear verdict exposures
• Large settlements

Equipment Coverage

Protect valuable equipment used in your operation, including:

• GPS systems
• Communication equipment
• Tarps and chains
• Tools
• Load securement equipment
• Specialized trucking equipment

Why Transportation Companies Choose Iverson Insurance

✅ Local Minnesota agency

✅ More than 10 years of transportation insurance experience

✅ Access to multiple insurance carriers

✅ Coverage reviews and risk assessments

✅ Personalized service and claims support

✅ Solutions for owner operators and fleets

We understand that every trucking operation is different. Our goal is to help you identify coverage gaps, meet contractual requirements, and protect the business you’ve worked hard to build.

Request a Transportation Insurance Quote

Looking for better coverage, competitive pricing, or a second opinion on your current insurance program?

Contact Lauren at Iverson Insurance today for a transportation insurance review.

Lauren Johnson

Transportation Insurance Specialist
Iverson Insurance
701-781-3980
lauren@iversoninsurance.com
www.iversoninsurance.com

Get Your Transportation Insurance Quote Today →