Flatbed Truck Insurance
Insurance for flatbed operations hauling oversized loads, building materials, machinery, and more.
What It Covers
- Liability coverage meeting federal requirements for flatbed operations
- Cargo insurance tailored to open-deck freight and securement risks
- Physical damage for your flatbed trailer and tractor
- Load securement failure coverage
- Oversized/overweight load endorsements
- Equipment and tarping coverage
Who Needs This Coverage
Flatbed carriers hauling steel, lumber, machinery, building materials, and other open-deck freight. Owner-operators with step-decks, lowboys, and RGN trailers need specialized cargo coverage that accounts for securement and weather exposure risks.
Avg Fleet Size
1-30 trucks
Common Cargo
Steel, lumber, machinery, building materials, pipes
Typical Coverage Package
- Primary Liability ($750K-$1M)
- Motor Cargo with open-deck endorsement
- Physical Damage (Comprehensive + Collision)
- Non-Trucking Liability
- Tarps and Chains Coverage
- Oversize Load Endorsement
Frequently Asked Questions
Does flatbed cargo insurance cost more than dry van?
Generally yes. Flatbed cargo is more exposed to weather and theft, and load securement failures are a common claim. Cargo rates depend on the type of freight, with steel and machinery being higher risk than lumber.
What if my load shifts and causes damage?
Cargo insurance covers damage to freight from shifting, falling, or securement failure. Your liability policy covers damage to other vehicles or property if an unsecured load causes an accident.
Do I need special coverage for oversized loads?
Yes. Hauling oversized or overweight loads typically requires an endorsement on your cargo policy and may require higher liability limits depending on the commodity and route permits.
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