Ohio Trucking Insurance for Owner-Operators & Fleets
Commercial truck insurance, cargo coverage, and every DOT and FMCSA filing you need to get your authority running, handled by one independent agency in Chillicothe, Ohio. One truck or a hundred, we shop your risk across multiple carriers.
- Multiple trucking carriers, one agent
- DOT, MC, BOC-3, UCR, IFTA & 2290 filings
- Certificates of insurance 24/7 from our app
Commercial truck insurance coverage
Coverage built around the freight you actually haul, the miles you run, and the way your operation is set up.
Commercial auto liability
Primary liability that meets federal FMCSA filing minimums and Ohio requirements, with higher limits available when shippers and brokers ask for them.
Motor truck cargo
Protects the freight you're contracted to deliver against loss or damage in transit, load to load, with limits matched to what you haul.
Physical damage
Collision and comprehensive coverage for your tractor, trailer, or straight truck, so a wreck or theft doesn't take you off the road.
General liability
Covers non-driving exposures at your yard, terminal, or shop, like a customer injury or property damage unrelated to a load.
Non-trucking liability
For owner-operators leased to a motor carrier: covers you when the truck is being used off-dispatch and outside the carrier's business.
Large fleet programs
Custom-placed programs for fleets beyond owner-operator scale, including higher limits and loss-sensitive options.
Insurance for every kind of truck
Different trucks carry different risks. We match coverage to your equipment and the work it does.
Tractor-trailer insurance
Liability, cargo, physical damage, and trailer interchange for over-the-road and regional semi operations.
Dump truck insurance
Coverage for aggregate, construction, and excavation hauling, including the jobsite exposures that come with it.
Box truck insurance
Straight-truck coverage for local delivery, last-mile, and expedited operations.
Flatbed truck insurance
Protection for steel, lumber, machinery, and oversized loads, with cargo limits sized to the freight.
Moving truck insurance
Coverage for household goods movers, including cargo and liability for customers' belongings.
Tow truck insurance
On-hook coverage, garagekeepers, and liability for towing and recovery businesses.
Trucking authority and DOT filing services
Most agents stop at the insurance binder. We also set up your business entity and file the federal and state paperwork you need to haul legally, so coverage and compliance run through the same team.
Getting your authority, in order
LLC or corporation formation
Set up the legal entity your authority and policies are issued to, separating business risk from your personal assets.
USDOT number application
Register with FMCSA for the USDOT number that identifies your company for safety records and roadside inspections.
MC number application
Apply for operating authority to haul regulated freight for hire across state lines.
BOC-3 process agent filing
Designate a process agent in every state you operate in, which FMCSA requires before your authority is granted.
Insurance on file with FMCSA
Your liability policy is filed with FMCSA so your authority can go active. We coordinate the timing with your application.
Staying compliant once you're rolling
- UCR registration Every year
- Unified Carrier Registration for interstate carriers, priced by fleet size.
- IFTA license Quarterly returns
- Fuel tax licensing and reporting for qualified vehicles that run in more than one state.
- IRS Form 2290 (HVUT) Every year
- Heavy highway vehicle use tax for trucks at 55,000 lbs gross or more, with the stamped Schedule 1 you need for registration.
- Kentucky KYU permit As needed
- Kentucky weight-distance permit for heavy vehicles running through the state.
- MCS-150 update Every 2 years
- Biennial update of your USDOT registration, or any time your company information changes.
Certificates of insurance, 24/7
Brokers and shippers don't wait for office hours, and neither should you. Our app puts your certificates of insurance in your pocket.
- Pull a certificate at 2 a.m. before a load, not just 9 to 5
- Send proof of coverage straight to a broker or shipper
- See your active policies and filing status in one place
Why truckers choose DSB
Independent agency
We shop your risk across multiple trucking carriers instead of selling one company's rate.
Insurance and compliance together
Coverage and your FMCSA filings handled by the same team, so nothing falls through the cracks between agent and filing service.
Ohio-based, trucking-experienced
We've insured trucking operations for years and helped clients through major claims. We know the industry and its challenges.
Trucking insurance questions
Do I need my MC number before I can get trucking insurance?
No. You can start the insurance process before your MC number is issued, but your liability policy has to be on file with FMCSA before your authority can go active. We coordinate the timing for you.
What's the difference between motor cargo and general liability?
Motor truck cargo covers the freight you're hauling. General liability covers other exposures, like an injury or property damage at your yard or shop that isn't related to a load.
What is non-trucking liability insurance?
Non-trucking liability covers an owner-operator leased to a motor carrier when the truck is used outside of dispatch, such as driving home after a load. The motor carrier's policy typically covers you while you're under dispatch.
How much does trucking insurance cost in Ohio?
It depends on your radius of operation, the freight you haul, driver experience and records, how long your authority has been active, claims history, equipment values, and the limits you need. The fastest way to real numbers is a quote. A licensed agent will call you back, usually the same day.
Can you handle my DOT, MC, and BOC-3 filings?
Yes. We handle LLC and corporation formation, USDOT and MC number applications, BOC-3, MCS-150, IRS Form 2290, Kentucky KYU permits, UCR registration, and IFTA licensing.
Can I get a certificate of insurance outside business hours?
Yes. Our app gives you 24/7 access to your active certificates, so you're never stuck waiting on the office when a broker needs proof of coverage.
Get an Ohio trucking insurance quote
Tell us about your operation. A licensed agent calls you back with real numbers, usually the same day. No obligation.
Trucking insurance and filing services from Trucking Insurance Partners, a division of DSB Insurance Agency, 95 N. Mulberry St., Suite E, Chillicothe, OH 45601. We serve truckers throughout Ohio, including Chillicothe, Hillsboro, Jackson, Waverly, Piketon, Portsmouth, Athens, Columbus, Circleville, Ashville, Grove City, Dayton, Fairborn, Cincinnati, Westerville, Nelsonville, Logan, Blanchester, New Vienna, Greenfield, Bainbridge, Peebles, and West Union.