Idaho Commercial Trucking Insurance

Commercial Trucking Insurance doesn’t have to be difficult. By working with the right insurance agency you can save time and money. Barbee Jackson Insurance is one of the country’s largest writers of trucking insurance by matching owner operators, trucking businesses and fleet owners with the right insurance company. Call today to get started with your free, no obligation Trucking Insurance Quote (850) 389-2001.

General Freight Agricultural Haulers Livestock Haulers Refrigerated Goods
Household Movers Auto Hauler Hotshots Hazardous Materials
Flat Beds Tow Trucks Log Trucks Party Buses
Fresh Produce Garage Trucks Oversize Loads Grain and Feed
Dump Trucks Cement Hauler Fleets Bobtail

What are the Insurance Requirements for Idaho Commercial Trucks?

Semi-Trucks can be broken down into three areas depending on the type of goods the rig is hauling. These are just the minimum liability insurance requirements, higher limits are available and for intrastate hauling only, meaning that the truck doesn’t cross state lines.

  • Household Goods - $300,000 in Combined Single Limit (CSL)
  • General Freight - $750,000 in Combined Single Limit (CSL)
  • Hazardous Materials - $5,000,000 in Combined Single Limit (CSL)

State of Idaho and Federal Filings

Depending on the goods hauled and if the truck is operating intrastate or interstate will depend on the type of filing you are required to maintain. Here are just a few of the filings we can offer.

MCS-90 Form H
Form E MCS-99

How much does Trucking Insurance Cost in Idaho?

There are a lot of factors that determine how much you will pay for insurance. Such factors as radius of operation, driving history, years in business and commodity hauled are just a few. But if you maintain a good driving history and operate inside Idaho you can expect to pay less than $10,000 per year, per unit. Our insurance agents will help you find the best price by matching you with the right insurance company.

Cargo Insurance
Cargo Insurance is another necessary insurance coverage option you want added to your policy. Cargo Insurance can have some exclusions such as theft and loading and unloading of materials. It is important to work with an insurance agency that specializes in Semi Truck insurance to make sure that you are buying the right coverage.

Reefer Breakdown Insurance
If you are hauling goods that require refrigeration then you are going to need Reefer Breakdown. Reefer breakdown covers the cargo in the event that the refrigeration unit on the trail has a mechanical failure.

It is important to remember it has to be “Mechanical Failure” and not a human error or delays. All refrigerated units must be maintained monthly and you should keep records of the maintenance schedule.

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Other Coverage Options

  • Physical Damage to protect against the loss of the truck and/or trailer in the event of an accident
  • General Liability for situations that are not directly involving the truck
  • Worker Compensation provides benefits to workers injured on the job
  • Uninsured and Underinsured Motorist Bodily Injury provides medical and financial benefits to drivers injured in an accident where the at-fault driver doesn’t have insurance or is under insured
  • Medical Payments/Medpay provides medical benefits to the policyholder, driver and passengers

How your Credit Score affects your Trucking Rate

Did you know one of the largest factors that affect the rate you get on your Commercial Trucking Insurance is the owner's credit score? The higher the credit score the lower the premiums and it could affect the down payment. 

Insurance companies for years have been using the owners credit score to help determine rates and it is not a small factor. The difference between a credit score in the 700+ could save you thousands compared to an owner with a credit score in the 600-.

Before shopping your insurance rates around, verify your credit score and see if there are any outstanding debts or past due payment that may be affecting your credit  score.

Why Us?

Comparing the coverage options from different insurance carriers is the difference between paying $10,000 per year or $20,000 per year in insurance rates. Not every insurance company offers the same rate so it is important to work with an independent insurance agency that works with all the large Trucking Insurance Companies.

Our Agents will work hard to find you the right coverage at the best rate. Call Today to get started (850) 389-2001

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Tony Anderson

Had to give Caleb a quick review for his help. Insurance up for renewal and I called for a quote, he gave me just that and more competitive options than any other company ive asked in the past few weeks. Didn't go with any of his options but he helped me out with discounts he knew that I could add to my current policy. Just a good honest agent thats not out here tryna hold info to reel in clients. If you have a truck, highly recommend

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Veronica Fox

After months of insurance search, BJL was able to get my bus insured in less than 5 mins!! Thank you so much!!

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Brittany Stephens

Craig Barbee and Caleb Jackson are the best team to handle your HHG insurance needs. I struggled to find not only a good deal, but a great agent in all my of searching. As soon as I connected with Craig, he was quick on the draw and made me a priority. I can't recommend these two enough, they're the best in the market! I couldn't be happier with my experience and I really appreciate their expedience with the whole process. Saved me some much time!

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