Primary Liability
Covered third-party injury and property damage.
Learn more about Primary LiabilityTrucking Operations
Flatbed Truck Insurance
Flatbed carriers haul exposed freight where securement, loading, and weather are central risks. Oversized and heavy loads, tarping, and cargo-specific requirements shape the coverage that fits.
Risks
Risks commonly faced
- Securement of exposed freight
- Loading and unloading at job sites
- Oversized and heavy cargo
- Weather exposure and tarping
- Falling-load and third-party risk
- Specialized cargo requirements
Exposed freight, real securement risk
Open-deck hauling means securement and weather matter to both safety and coverage — and oversized loads add their own considerations.
- Securement of exposed freight
- Loading and unloading at job sites
- Oversized and heavy cargo
- Weather exposure and tarping
Coverage
Coverage commonly considered
The coverages below are commonly considered for this operation. The right combination depends on the specifics of your business.
Physical Damage
Covered loss or damage to tractors and trailers.
Learn more about Physical DamageMotor Truck Cargo
Legal responsibility for covered exposed freight.
Learn more about Motor Truck CargoGeneral Liability
Certain exposures at job sites and premises.
Learn more about General LiabilityWho this is for
Is this you?
- Flatbed and step-deck carriers
- Operations hauling building materials and machinery
- Heavy and oversized freight haulers
- Owner-operators and fleets running open decks
Prepare for a quote
Information commonly requested
- Truck and trailer types
- Commodities and typical load values
- Securement and tarping practices
- Oversized or heavy-load frequency
- Operating radius and states
- Driver experience
- Insurance history and loss runs
- Requested effective date
Our process
How Talis helps
Flatbed programmes hinge on cargo and securement. We start with what you haul and how you secure it.
1
Discuss your operation
Tell us how you run — authority, drivers, equipment, cargo, and routes.
2
Review coverage needs
We identify applicable coverages and potential gaps for your operation.
3
Compare and place coverage
A licensed professional explains eligible options and the requirements to bind.
FAQ
Frequently asked questions
What coverage do flatbed carriers consider?
Commonly commercial auto liability, physical damage, and motor truck cargo, and possibly general liability and umbrella, depending on the operation.
How does securement affect coverage?
Proper securement is important for safety and may factor into underwriting and claims. Follow the securement standards for the freight you haul.
Are oversized loads different?
Oversized and heavy loads can add permitting and route considerations and may affect how the operation is underwritten.
Does weather exposure matter for cargo?
Open-deck freight faces weather exposure; tarping practices and the commodities you haul can influence cargo terms.
Related coverages
Coverages to explore
Coverage disclaimer. Coverage descriptions are provided for general informational purposes only. Actual coverage is subject to policy terms, conditions, limits, deductibles, exclusions, underwriting eligibility, and carrier availability. Please consult a licensed insurance professional regarding your specific operation.
Let’s Talk About Your Operation
Share the details of how you run and we can help you explore suitable coverage.