Trucking Insurance that keeps you moving.

Not sure if your coverage meets filing requirements?

Trucking insurance isn't just about coverage-it's about staying compliant so you can keep operating. Many owner-operators and fleet managers worry about filings, liability limits, and whether their coverage aligns with their authority. GFH Insurance Agency helps trucking businesses across Richmond and Central Virginia set up policies that meet both operational and regulatory needs. Whether you're based in Richmond, running routes through New Kent, or expanding toward Charlottesville, you can get coverage structured for your operation.

Coverage options for trucking businesses.

Black outlined shield with a check mark icon on a white background
Primary Liability Insurance

Required for most trucking operations, covering bodily injury and property damage to others.

Black outline shield icon with a checkmark inside
Cargo Insurance

Helps protect the freight you're hauling against covered losses.

Black outline shield with a checkmark icon on a white background
Physical Damage Coverage

Protects your truck and equipment from damage due to accidents, theft, or other covered events.

Black outline shield with a checkmark icon inside, symbolizing security or verification
Non-Trucking Liability (Bobtail Insurance)

Provides coverage when a truck is operated outside of dispatch.

Black outlined shield with a checkmark icon inside.
General Liability Insurance

Covers risks not directly related to driving, such as business operations or premises liability.

Filings and Compliance Support

Trucking operations often require specific filings to operate legally. These can include federal and state forms tied to your authority and coverage limits. Having the right policies in place-and the ability to file proof correctly-helps you avoid delays and stay compliant. Whether you need filings for a new venture or updates for an existing operation, getting this handled efficiently is key to keeping your business running.

Built for Owner-Operators, New Ventures, and Fleets

Owner-Operators
Coverage tailored to independent drivers, including liability, cargo, and flexible policy options.



New Ventures
Starting a trucking business comes with additional requirements. Structured guidance helps you meet filing and coverage needs from the start.

Fleets
Larger operations require coordinated coverage across multiple vehicles and drivers. Policies can be scaled to match your business size and growth.

Home Insurance

Health Insurance

Auto Insurance

Life Insurance

Crop Insurance

Farm Insurance

Ranch Insurance

Commercial Insurance
Black and white computer monitor icon with a question mark on the screen

Your questions, answered clearly.

  • What insurance filings do trucking companies need?

    Requirements vary based on your authority and operation, but may include federal and state filings tied to liability coverage and compliance.

  • Do I need cargo insurance for my operation?

    Cargo insurance is often required depending on the type of freight you haul and contracts you hold. It helps protect against losses related to the goods you transport.

  • How fast can I get trucking coverage set up?

    Setup times can vary, but policies and filings can often be completed quickly once all required information is provided.

  • Can coverage be adjusted as my business grows?

    Yes, trucking policies can be updated as your fleet expands, routes change, or new contracts are added.

Get coverage that keeps your business on the road.

Trucking insurance should help you stay compliant, protect your operation, and keep your business moving without delays. GFH Insurance Agency provides clear guidance, flexible options, and local support for trucking businesses across Central Virginia.