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What Motor Truck Cargo Insurance Actually Covers (And the Exclusions Nobody Reads Until It’s Too Late)

What Motor Truck Cargo Insurance Actually Covers (And the Exclusions Nobody Reads Until It’s Too Late)

by Cameron Pechia | Aug 14, 2026 | Coverage Explained

Reviewed by Cameron Pechia, Founder, WA Insurance License 71186 Last reviewed: 8/14/2026 Key takeaway: Motor truck cargo insurance covers freight while it’s on your truck, protecting against damage, theft, and loss during transit, loading, and unloading. But...
Stated Value, Actual Cash Value, or Agreed Value: Which One Actually Pays When Your Truck Is Totaled?

Stated Value, Actual Cash Value, or Agreed Value: Which One Actually Pays When Your Truck Is Totaled?

by Cameron Pechia | Aug 12, 2026 | Coverage Explained

Reviewed by Cameron Pechia, Founder, WA Insurance License 71186 Last reviewed: 8/12/2026 Key takeaway: Stated value vs actual cash value trucking insurance comes down to one question: what does your insurer actually owe you after a total loss? ACV pays what your truck...
Independent Contractor vs. Company Driver: The Insurance Differences That Actually Matter

Independent Contractor vs. Company Driver: The Insurance Differences That Actually Matter

by Cameron Pechia | Aug 7, 2026 | Coverage Explained

Reviewed by Cameron Pechia, Founder, WA Insurance License 71186Last reviewed: 8/07/2026 Key takeaway: Independent contractor vs. company driver insurance differences determine which policies a driver must carry, who pays when something goes wrong, and whether a fleet...
What Happens to Your Insurance When You Add an Out-of-State Driver

What Happens to Your Insurance When You Add an Out-of-State Driver

by Cameron Pechia | Aug 5, 2026 | Compliance & DOT

Reviewed by Cameron Pechia, Founder, WA Insurance License 71186Last reviewed: 8/05/2026 Key takeaway: Adding an out-of-state driver to your trucking insurance requires more than a phone call to your broker. Your commercial auto policy may or may not automatically...
Freedom Haulers Fast-Tracks Veteran CDLs. Your Insurance Carrier Hasn’t Gotten the Memo.

Freedom Haulers Fast-Tracks Veteran CDLs. Your Insurance Carrier Hasn’t Gotten the Memo.

by Cameron Pechia | Aug 2, 2026 | Industry News

Reviewed by Cameron Pechia, Founder, WA Insurance License 71186 Last reviewed: 8/12/2026 Key takeaway: Hiring veteran truck drivers under the new Freedom Haulers Initiative doesn’t automatically satisfy your insurance carrier’s experience requirements,...
What Your ELD Logs Know About the Wreck (And Who’s Coming to Get It)

What Your ELD Logs Know About the Wreck (And Who’s Coming to Get It)

by Cameron Pechia | Jul 31, 2026 | Claims

Reviewed by Cameron Pechia, Founder, WA Insurance License 71186Last reviewed: 7/31/2026 Key takeaway: ELD data in trucking accident claims refers to the electronic records your logging device captures before, during, and after a crash, including GPS location, speed,...
Non-Trucking Liability vs. Bobtail Coverage: They’re Not the Same Thing

Non-Trucking Liability vs. Bobtail Coverage: They’re Not the Same Thing

by Cameron Pechia | Jul 29, 2026 | Coverage Explained

Reviewed by Cameron Pechia, Founder, WA Insurance License 71186Last reviewed: 7/29/2026 Key takeaway: Bobtail insurance and non-trucking liability insurance are not interchangeable terms. Bobtail insurance covers a tractor operating without a trailer, regardless of...
Workers Comp for Trucking Companies: 1099 Drivers, Owner-Operators, and the Misclassification Trap

Workers Comp for Trucking Companies: 1099 Drivers, Owner-Operators, and the Misclassification Trap

by Cameron Pechia | Jul 24, 2026 | Coverage Explained

Reviewed by Cameron Pechia, Founder, WA Insurance License 71186Last reviewed: 7/24/2026 Key takeaway: Workers’ comp insurance for trucking companies covers W-2 employee drivers for on-the-job injuries, replacing medical costs and lost wages while shielding the...
Switching Trucking Insurance Mid-Policy: When It’s Worth It and When It Costs You

Switching Trucking Insurance Mid-Policy: When It’s Worth It and When It Costs You

by Cameron Pechia | Jul 22, 2026 | Coverage Explained

Reviewed by Cameron Pechia, Founder, WA Insurance License 71186Last reviewed: 7/22/2026 Key takeaway: Switching trucking insurance mid-policy means canceling your current policy before the expiration date and replacing it with a new one. You can do it at any time, but...
Diesel Is Spiking Again. Don’t Let Your Insurance Decisions Make It Worse.

Diesel Is Spiking Again. Don’t Let Your Insurance Decisions Make It Worse.

by Cameron Pechia | Jul 21, 2026 | Fleet Operations

Reviewed by Cameron Pechia, Founder, WA Insurance License 71186Last reviewed: 8/3/2026 Key takeaway: The fuel cost impact on trucking insurance isn’t a line item on your declarations page. Diesel prices don’t move your premium up or down; underwriters...
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