Trucking insurance in South Carolina to protect your rig, routes, and cargo

Trucking Coverage Overview

Owner-operators and fleets welcome
Long days on I-85 or regional hauls demand specialized coverage. The Sullivan Agency builds trucking programs for single units and fleets—auto liability (often $1M), physical damage for tractors and trailers, and cargo protection tailored to what you haul. We help with filings and certificates so you can book loads without delays. For smaller service vehicles, see our commercial auto insurance options.

Key Coverages

 From liability to cargo

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Auto liability

required limits for intrastate/interstate hauling

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Physical damage

collision/comprehensive on power units and trailers

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Motor truck cargo

overage for freight (with options like reefer breakdown)

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Bobtail/non-trucking

when you’re off dispatch or running without a trailer

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Trailer interchange and terminal coverage

for non-owned trailers and cargo at rest

For yard slip-and-fall risk or office visitors, complement your program with general liability insurance at your location.

Cost & Compliance

Rates, safety, and DOT readiness

Pricing reflects equipment, radius, commodities, and safety history. We’ll review driver MVRs, loss runs, maintenance practices, and technology (dash cams, telematics) that can help control premiums and support compliance.

Answers for South Carolina carriers

  • Do you handle federal/state filings?

    Yes. We coordinate the required filings so you meet DOT and shipper requirements.

  • Is cargo insurance required?

    Many shippers and brokers require it. The right limit and commodities schedule are crucial—let’s review your lanes.

  • Can you cover owner-operators under a motor carrier’s policy?

    We can discuss leased-on arrangements and options like NTL and physical damage to fit your contract.