3 Tips to Choose an Insurance Market for Your Short Haul Truck

Unlike long-haul truckers who take cargo across states and the nation, short haul truckers handle deliveries within a 150-mile radius. They deliver furniture, office supplies and more to local businesses and consumers. Insurance markets for short haul truckers works a little different than their long-haul counterparts. Here are some tips to make choosing one easier.


As with any insurance policy, shopping around for the lowest cost with the best coverage options can save you money. Things that affect the price of short haul insurance include:

  • Deductibles
  • Coverages
  • Driver’s personal details
  • Limits
  • Payment plan
  • Coverage

The type of coverage you need depends on the size of your rig, what you haul and if you are insuring more than one. Different policies insure different things. Available options include bobtail insurance, physical damage coverage, liability insurance and moto truck cargo insurance.


The limits are dependent on the cost of the truck, number of trucks insured by the policy and the cargo transported. Higher priced cargo in a newer truck needs greater limits to cover replacement or repair in the event of an accident or loss.

Protect your rig and the cargo inside by searching insurance markets for short haul truckers for the best policy for you. One policy does not cover all your exposures, but an agent can help you decide what coverage options you need.