Commercial Trucking Insurance for Louisiana Owner-Operators & Fleets

Insurance Solutions for Every Trucking Operation

Whether you're an owner-operator with one rig or managing a full fleet, State Insurance Services understands your unique needs on the road. We cover trucking operations across Louisiana-from local dump trucks and sugar cane haulers to long-haul semis running the I-10 corridor or hauling out of the Port of New Orleans. Our team helps you secure the right coverages and stay compliant-fast.

Trucking Insurance Coverages-Built for Louisiana Roads

Primary Liability

Mandatory by law (minimum $750,000 FMCSA requirement for interstate carriers)-covers bodily injury and property damage to others.

Motor Truck Cargo

Protects the goods you haul in case of theft, fire, or collision damage. Required by most brokers and shippers.

Physical Damage

Repairs or replaces your truck and trailer after a crash, fire, theft, or storm-crucial for high-value equipment.

Non-Trucking Liability (Bobtail)

Covers you when you're not under dispatch-important for leased owner-operators.

Trailer Interchange

Protects trailers you don't own when swapping at terminals or with other carriers.

Occupational Accident / Workers Comp

Covers medical and lost wages for drivers-options for both independent operators and companies with drivers.

DOT & FMCSA Filings-We Handle It All

Navigating state and federal trucking requirements is tough. We take care of all insurance filings with the FMCSA and Louisiana DOT-including Form E, Form H, and MC filings-so you stay on the road, fully compliant. Need a certificate fast for a new load? We move quickly to help you secure work and keep contracts flowing.

Trucking Insurance Markets & Local Experience

We have access to specialty trucking insurers-like Progressive Commercial, Great West, Imperial Fire & Casualty, and more-covering everything from local dump trucks to multi-state fleets. New to trucking? We walk you through every step, from paperwork to picking the right policies. Our advice saves you time, stress, and often real money.

Keeping You Profitable-Not Just Legal

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Shop multiple carriers for the best price

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Advise on telematics and safety programs to lower costs

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Leverage clean safety records for discounts

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Explain how to improve DOT scores for future savings

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Trucking Insurance Questions-Answered

  • What insurance is required for a trucking company in Louisiana?

    At minimum: Primary Liability (per DOT/FMSCA). Many also need Cargo, Physical Damage, and additional coverages.

  • How much does commercial trucking insurance cost per truck?

    Premiums vary based on routes, vehicle type, and safety record. We shop all options to find you competitive rates.

  • Can you help with DOT insurance filings?

    Absolutely. We handle all filings-Form E, Form H, MC numbers, and more-for your authority.

  • Do you cover fleets and owner-operators?

     Yes. From single rigs to large fleets, we customize policies for your operation.

  • What about specialized coverages (Bobtail, Occupational Accident)?

    We offer all major trucking policy options-let us know your needs and we'll tailor your coverage.

Get Rolling-Request a Trucking Insurance Quote Today

Don't risk fines, contract delays, or underinsurance. Whether you need your first policy or a competitive quote for your growing fleet, we'll get you covered fast. Call or contact us today to haul with confidence.