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Flatbed Truck Insurance

Flatbed Truck Insurance provides coverage for the transportation of goods of all types/sizes on a flatbed trailer such as construction materials, sheet metal, heavy machinery, oil field equipment, etc. Sometimes these truckers will carry an over-sized load requiring state permits. Flatbed loads have to be adequately secured to avoid cargo shifting and cargo spill-related accidents.

Flatbed Truck Insurance
We encourage you to NEVER base insurance decision solely on price. Normally, when we buy a product we look for the lowest price — if all other things are equal, we take it. If you insure for lower rates, but that company can’t provide good timely service, the lower premiums will not help you out at all when you can’t get loaded due to problems with your insurance. The same is valid when your claim is not covered because your insurance agent sold you a “subprime” policy. Please note that your actual proposal may vary based on underwriting factors such as location, age of driver, MVR and more. Coverages, payment plans, policy terms and conditions vary state by state. No two policies are the same. No two insurance needs are the same either.

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A well-designed Flatbed Truck Insurance policy contains these coverages:

Collision and Comprehensive – to protect your tractor and flatbed trailer against fire, theft, vandalism and other causes of loss.

Coverage for ramps, chains, tarps and binders – to protect your valuable equipment against theft, collision, fire and other causes of loss.

Towing and Storage – provides coverage for expenses related to towing and storage of a damaged equipment.

Combined Deductibles – this coverage allows you to pay only one deductible in the event a loss occurs involving both physical damage and cargo.

Loading & Unloading – provides coverage for the commodity while it is being loaded or unloaded.

Debris Removal – provides coverage for reasonable and necessary costs to remove debris caused by and resulting from a covered loss.

Broadened Pollution – provides coverage for the discharge of pollutants which are in, upon, owned, being transported by, loaded or unloaded from a covered auto.

Earned Freight – replaces income lost when a load cannot be delivered due to a covered cargo loss.

Sue and Labor – covers costs related to preventing further loss to damaged cargo. Also known as loss mitigation.

Collision and Comprehensive – to protect your tractor, trailer and the refrigerated unit for collision, fire, theft, vandalism and other causes of loss.

Coverage for ramps, chains, tarps and binders – to protect your valuable equipment against theft, collision, fire and other causes of loss.

Towing and Storage – provides coverage for expenses related to towing and storage of a damaged equipment.

Combined Deductibles – this coverage allows you to pay only one deductible in the event a loss occurs involving both physical damage and cargo.

Please complete our quick quote sheet for a quick Flatbed Truck Insurance quote or call us at
(844) 235-9449
to speak to one of our licensed trucking agents.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage for flatbed truck insurance is subject to all terms, conditions and exclusions of the policy.


Top notch organization to deal with for commercial truck insurance. When I thought I had a serious issue aquiring truck insurance, John @ Big Rig expedited things and came thru with top rated insurer for a premuim price almost half of what I was being quoted. Give him a call and let him work his magic. He got my 100% approval!

Jan – Singleton Trucking Inc.

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I have been in the trucking business for about 5 years. I have had 2 other insurance agency’s. I switched to Insure Big Rig about a year ago and hands down this is the best service I have ever received. The products that they offer are over the top. No one else can offer the products that Insure Big Rig provides. Very happy customer.

Jesse - Dreamers Transport LLC



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