What Is the Best Health Insurance for Owner-Operators? 

The daily demands of being on the road can pose unique health risks to truck drivers. A lack of physical activity combined with poor eating habits can lead to health issues, such as obesity, diabetes and heart problems.   

At the same time, health insurance premiums can be costly. However, good medical coverage is a necessary expense that can help truck drivers stay healthy and avoid unexpected medical bills. So, what is the best health insurance for owner-operators?

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Quicklook: best health insurance for owner-operators.

  • Best For Long Distance Drivers: UnitedHealthcare
  • Best For Small Businesses: Kaiser Permanente 
  • Best For Flexible Needs: Blue Cross Blue Shield
  • Best For Bargain Hunters: Aetna 
  • Best For Individual Health Insurance: Humana

5 Best Health Insurance for Owner-Operator Options

There are many companies that offer health insurance for owner-operators. Keep reading to learn more about five of them in particular. 

UnitedHealthcare

As the biggest healthcare provider in the country, UnitedHealthcare has been in operation since 1977. The company has developed an impressive network of healthcare providers. With operations in fifty states, UnitedHealthcare also serves people in more than 130 countries worldwide.

Best For: Long Distance Drivers

Types of Insurance Plans Offered:  

  • Dental Insurance
  • Gap Insurance
  • Short-Term Insurance
  • Medical Indemnity
  • Business Insurance
  • Vision Insurance

Network Size: 1.3 million

States Available: 50

AM. Best Rating: A+ rating

Special Features : 

  • Extensive countrywide network of doctors 
  • Technological resources for better online healthcare 
  • Symptom checker uses AI to give basic healthcare advice
  • Network of 6,500 hospitals and 1.3 million healthcare providers

Benefits: 

  • Available in all 50 states
  • Invests heavily in technology and innovation
  • Telehealth visits available
  • Huge network of healthcare providers

Disadvantages: 

  • Previous problems with mental health insurance coverage 

Kaiser Permanente

Kaiser Permanente has been in the business of managed healthcare since 1945. The company covers 12.5 million members in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington and Washington, D.C. The company offers affordable and flexible plans to small businesses that employ between two and 100 employees.

Best For: Small Businesses 

  • HMO Plans 
  • Deductible HMO Plans
  • PPO Plans 
  • Point-of-Service Plans
  • HRA and HSA-Qualified Plans
  • Deductible HRA With HSA Plans

Network Size: 23,200 doctors

States Available: 8 states and the District of Columbia

Best Rating: Currently unrated 

  • Small business health insurance 
  • For companies between two and 100 employees
  • Preventative care programs 
  • Electronic appointment and screening reminders
  • Affordable small business plans
  • Excellent customer service 
  • Electronic reminders for upcoming appointments
  • Not available in all states
  • Has faced sanctions for mental health delays

Blue Cross Blue Shield

Founded in 1929, Blue Cross Blue Shield consists of 34 separate companies, each of which provides health insurance across 50 states. More than 90% of U.S. doctors and hospitals work with BCBS, giving the company access to a lot of data for comparison purposes and innovative opportunities. As one of the largest health insurance providers in the country, BCBS extends health insurance to individuals, families and employers in all 50 states, plus Washington D.C. and Puerto Rico.  

Best For: Flexible Needs 

  • Corporate Health
  • Group Health 
  • HSAs and PPOs
  • Individual Health Insurance
  • Small Business Health Insurance
  • High Deductible Health Insurance

Network Size: Over 1.7 million doctors and hospitals

Best Rating: A+

  • International health insurance for travelers
  • Access to more than 90% of the nation’s healthcare providers
  • Biggest healthcare insurer in the U.S.
  • Wide range of insurance options
  • Accepted across the country by many hospitals
  • A highly trusted brand offering great customer service
  • Access to loads of data allows for cost comparisons and health innovations
  • Does not guarantee Medicare drug coverage 
  • High out-of-pocket costs for some options 

Founded in 1853 and acquired by CVS in 2018, Aetna is the third biggest health insurance company in the country. If you’re looking for affordable health insurance for truckers, you may find the Aetna high deductible health plans very attractive because of their low premiums.

Best For: Bargain Hunters 

Types of Insurance Plans Offered:

  • ACA Individual and Family Plans
  • Dental, Vision and Hearing Insurance
  • PPOs, POS and HMOs
  • HDHP with HRA or HSA

Network Size: More than 700,000

States Available: 36

Best Rating: A

  • Multiple healthcare offerings 
  • Walk-in clinics for members in 33 states
  • Fitness benefits with discounts to gyms
  • Offers Medicare in 46 states
  • Dental, hearing and vision insurance
  • Some plans offer over-the-counter benefits
  • Tax savings opportunities through health funds
  • Star ratings below the national average
  • Does not offer HSA 

Humana specializes in individual and small business insurance so it is the ideal health insurance for owner-operators who need insurance in the 18 states in which Humana operates. Humana also has a nationwide PPO so members can find assistance in all states in the U.S. The company has a wide range of small business health insurance packages as well. 

Best For: Individual Health Insurance 

Types of Insurance Plans Offered:   

  • Employer Group Insurance

Network Size: 350,000

States Available: 18

  • Specializes in individual and small business plans
  • Has a range of plans for different budgets
  • Nationwide PPO
  • Free preventative care 
  • Excellent customer service  
  • Wellness rewards
  • Virtual consultations
  • Access to Humana Pharmacy services
  • Only available in 18 states 

What Is Health Insurance for Owner-Operators?

Health insurance for owner-operators should cover either part or all of your medical costs. This is separate from truck insurance , which you might also need. Whether you have a serious illness or you are simply in need of a routine examination, your health insurance should contribute to either a portion of or all of your medical costs.  

As an independent contractor, you can seek a health insurance plan that offers individual or family coverage through the marketplace, a private insurer or a trade association. Since you are self-employed, you can claim a 100% deduction of your health insurance premiums.  

If you have one or more employees who work for you, it might be possible for you to qualify for a small group coverage policy. The premiums you’ll pay for health insurance on behalf of your employees will be fully deductible. As an owner-operator, you are running your own small business, and the Affordable Care Act (ACA) defines a small business as a group of 50 or fewer full-time employees. 

That said, you are not required to offer health insurance to your employees. However, it is always a good idea, and you could qualify for a Health Care Tax credit if you do.

How Does Health Insurance for Owner-Operators Work?

When you sign up for a health insurance plan, you must pay your monthly premiums on time to keep your policy in effect. If you are late, your health coverage may be canceled. 

In addition to monthly premiums, there are other out-of-pocket expenses an owner-operator may incur.

Deductibles 

Most policies include a deductible, which is an amount of money that you must pay before your health coverage kicks in. You should consider how much you have budgeted to pay for your health insurance before you pick a plan. Your deductible will affect your monthly premium.  

If you have a lower deductible, your coverage will start sooner. So, your premiums will be higher. But when you have a high deductible plan, you will pay more money out of pocket before you are covered. Your monthly premiums will be lower as a result.  

Once you have reached your deductible, you may be responsible for a copayment when you visit a doctor or fill a prescription. Often referred to as a copay, this is a set amount that you’ll pay for medical care, but it can vary based on the service. For example, your copayment may be $10 to fill a prescription but $20 to see a doctor. 

Coinsurance

The percentage of the total costs that you’ll have to pay after reaching your deductible is called coinsurance. Your health insurance company will pay the difference. So, if you have an 80/20 policy, your insurance company will 80% while you’ll have to pay 20% of the cost incurred after you reach your deductible.  

Most of the time, you won’t have to worry about filing a claim. Most doctors, hospitals and pharmacies will file electronic claims directly with insurance companies. Health insurance is a significant expense, so when you run a small business, you should always shop around for the best coverage and prices for health insurance. 

If you are an independent contractor or you run a business with only a few employees, health insurance premiums are fully deducted. Also, if you decide to join a private health care insurance company and enroll your employees in the plan, you will be responsible for paying part of their monthly premiums. 

Your employees will have to cover any services and copayments that are not covered by their health insurance plans. There are plenty of choices to choose from when it comes to health coverage so take your time and search for a plan that suits your budget. Higher insurance tiers will offer more extensive coverage, but they also cost more.  

What To Consider With Health Insurance for Owner-Operators

When choosing health insurance for owner-operators, consider the following factors. 

Business or Personal Coverage

If you do not have any employees, you can use the Individual Health Insurance Marketplace to find the type of insurance that offers you the healthcare coverage you need, all while meeting your financial requirements as well. As soon as you start to employ people, you can find affordable business coverage in the SHOP Marketplace For Small Businesses .

Availability in Your State

If you travel across state lines, you must have healthcare insurance that covers every state within your itinerary. If you don’t, you may find yourself without coverage in certain states, which can be risky. 

Contributing to Employee Plans

Many businesses make health insurance contributions for their employees because perks like health insurance can help to attract and then retain employees. The cost will depend on the type of coverage that you opt for, and the higher the premium, the lower the deductibles.

Open Enrollment

Every year, there is a window of time during which you can change or cancel your health insurance plan. This period of time only lasts for a few weeks, so it’s important to make good use of the open enrollment as you consider your options. 

Business Liability Insurance or Workers’ Comp

When you or one of your employees needs medical care, you’ll need to ensure that there are no other types of insurance other than health insurance that cover the claim. If you have Workman’s Compensation, for example, and an employee is injured while working, then the claim should be against Workman’s Compensation, not health insurance.  

Take Advantage of Favorable Health Coverage Options

As a truck owner and operator, you have plenty of responsibilities, not least of which is insurance. For example, you will have to secure fleet insurance that is tailored to the particular needs of your company. 

Another crucial issue is health insurance for you, your family and your employees. Fortunately, there are a number of large, reliable companies that offer health insurance for owner-operators. Be sure to do your homework and find the health insurance provider that best meets your needs.

Many truckers receive benefits, including paid time off, health coverage and even retirement benefits.

Under Obamacare, only small businesses are exempt from offering health insurance to their employees. The laws that require businesses to offer healthcare insurance to their employees will increase the costs for larger employers. Smaller owner-operators who want to compete in the job market may have to offer health insurance for truckers.

Truck drivers typically receive life insurance coverage from insurance providers for a fixed amount of time until the policy expires. Depending on your preference, the length of the coverage may be between 5 to 30 years.

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A Truck Show That Covered Trcukers Health Insurance Policies

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The Mid America Truck Show in Louisville KY was almost too much to take in.  I came on with a truck driver’s health insurance plan with HTA two years ago about health concerns. COVID running rampant a number of trade shows were canceled. This was my first Trucking trade show, and I was overwhelmed to see all the healthy male and female drivers. They represent multiple ethnicities descending on the city. I couldn’t help thinking if my Amazon order was somewhere in the parking lot.

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Truck Driver Health Insurance Policies

Little to no health insurance amongst owner-operators was a steady topic.  What can I get, and where do I get it?  A quick search on the internet confirms what we tell drivers. Go to an excellent article written by CDL.com to learn more about Health Insurance For Drivers but the long and short of it is:

  • Affordable Care Act (ACA) For new truck drivers, a plan through an exchange might be a good option for health insurance.
  • Health Savings Account (HSA) Truckers who are healthy but want more control over their health insurance benefits should consider a Health Savings Account. The HSA is used in conjunction with a high-deductible health insurance policy.
  • Owner-Operator Independent Health Insurance (OOIDA) OOIDA is a great choice for truckers. For a small yearly fee, you can become a member of OOIDA and enroll in their Medical Benefits Group. This will not only provides healthcare and life insurance coverage for truckers but their family too.
  • National Truckers Insurance The National Independent Truckers Insurance Company (NITIC) provides health insurance specifically for truck drivers. The company offers a few different plans designed to protect you, your truck, and others from damage or injuries caused by trucking accidents.
Accelerating America’s Shift into Better Health for Professional Drivers and Certified Fleets

We also recommend calling Paula Biltmore of Biltmore Insurance . Paula has been helping truck drivers for many years exploring their options and putting together custom health insurance plans.

I encourage readers to take a look at some of the articles we have posted about a number of health-related issues that affect your occupation.  We take great pains to write some of these articles to answer a number of questions we get every day.  HTA offers a number of clinical trials that you can enroll in to get treatment for what you are struggling with.  Simply call 800.800.1198 and speak with one of our health coaches.

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NAIT has partnered with Roadside MASTERS to keep you moving. All benefits are 24 hours a day 7 days a week within Canada and USA. 

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Truckers Healthcare will access the healthcare marketplace for you and reduce the burden of having to navigate the plans yourself. 

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NAIT has partnered with Resonea, Inc., to offer the DROWZLE® Sleep Health Program to our members at a special low rate.

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NAIT members now have access to a Zero fee fuel card, Multiple fuel credit line options and an average diesel savings of 25 cents per gallon at more than 1,800 locations nationwide and more! 

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The National Association of Independent Truckers (NAIT) was founded in 1981 to support the needs of independent contractor small-business owners in the trucking industry. Over the years NAIT has established long-term partnerships with providers that share its dedication to the industry, and has worked with them to develop a comprehensive catalog of benefits to serve its members.

Member Benefits

Membership has its advantages. NAIT members are entitled to receive access to exclusive products, valuable services, and special discounts not available to the general public.

  • Health and Wellness

NAIT has a full menu of Health Insurance options for its members. From ACA plans to Guaranteed Issue supplemental plans, there’s a program available that fits your needs and your budget.

  • Business Tools

NAIT provides you with the tools you need to keep your business running. Fuel Discounts, Legal Discounts to protect your CDL, Access to Used Truck Purchase Programs – all of this and more are available to NAIT Members.

NAIT Insurance Program

Occupational Accident, Non-Trucking Liability, Workers Compensation, Physical Damage – and more. All developed for Owner-Operators and Independent Contractors, and available exclusively through NAIT.

Entertainment & Other Exclusive Benefits

From exclusive deals on Satellite TV in your truck, to discounts on flowers to send home, NAIT offers access to the things that make life more fun – At Home, and On-The-Road!

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Start taking advantage of your NAIT Membership discounts today by accessing the Benefits Portal! 

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Health Insurance for Truck Drivers

Commercial truck drivers are essential in American society, acting as the mainstay of our commerce. It’s often said that “Without Trucks, America Stops,” which highlights your importance. Whether driving across the country or just around town, you play a vital role in our economy.

Your hard work transporting goods and materials to consumers keeps our nation running smoothly and helps avoid disruptions. It’s important to remember that your health and well-being are key to the success of our transportation and delivery systems in the United States.

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Types Of Health Insurance For Independent Owner Operators Truck Drivers

You may get health insurance at any time. The following plans are available to drivers. Most plans start with next day coverage and you may cancel at any time.

Shop and Compare Health Plans

Talk to an expert, 815-341-4030, schedule a consult.

health insurance for small trucking companies

Traditional Health Insurance

“Major Medical” is traditional health insurance like a group-health plan that is available to W-2 employees. Meets the Affordable Care Act standards of coverage.

Traditional Health Insurance covers pre-existing conditions.

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Short-Term Medical Insurance

Sometimes referred to as “gap insurance”, a short-term medical plan is health insurance that covers new illnesses and injuries.

As it is term insurance, you may cancel at anytime.

Occupational Accident

Our plans offer truckers the legal coverage they need for accidental medical expenses, disability income, and accidental death and dismemberment. It’s immediate peace of mind, allowing you to focus solely on your driving responsibilities.

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Accident Supplemental Insurance

Benefits can be used to pay for emergency treatment, medical transportation and lodging. Use the money for whatever you need, like mortgage payments, credit card payments, car payments, daycare or business costs.

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Vision Insurance

See the difference a vision plan can have on your health and your wallet! In these times, a vision plan can help save you money on exams, lenses, frames and more!

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Dental Insurance

Dental Insurance can provide coverage for preventive, basic, and major dental expenses with the dentist of your choice. Also, some plans include orthodontia, teeth whitening and more.

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Simple Term Life Insurance

The most selfless thing you can do for your loved ones in case of a future without you.   Your rate is guaranteed for a 5-year term period.

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Cancel any time.

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Your personal benefits specialist.

Greg Hellmich serves as the healthcare consultant for the Professional Truck Drivers division at Smart & Simple Insurance. With a robust background spanning 35 years in the insurance sector and experience as a trucker, Greg brings invaluable insight into the unique challenges faced by truck drivers seeking affordable and comprehensive insurance coverage. His firsthand knowledge, gained from both his time on the road and in managing insurance policies, informs his approach to offering tailored solutions for accident protection in this demanding profession.

Driving Over The Road

There are over 2 million truck drivers in the United States. ( 1 ) The physical demands are well known. Long hours of sitting lead to chronic pain and back injuries. Staying focused and alert while driving roads and highways can lead to poor sleeping habits.

The Affordable Care Act Individual Mandate

3 ways truckers get health insurance, 1. enroll in qualified health plans certified by the health insurance marketplace during open enrollment periods.

The federal government creates an “open enrollment period” where you may change your major medical health insurance without a qualifying event (such as getting new employer-sponsored health with a new job). This is when O/Os may drop their current insurance and find new major medical policies. The certified health plans offered on private marketplaces are required to provide essential health benefits, cover pre-existing conditions and has limits on deductibles, copayments and out-of-pocket maximum amounts. These are policies that are similar to employer-sponsored insurance.

2. You Can Enroll Anytime For Short-Term Medical Policies

3. check if you can receive medicaid or the children’s health insurance program.

If you are 65 years old and not receiving social security, you may have to sign up for Medicare. ( 3 ) If you are not nearing retirement age, you may qualify for assistance through the federal Medicare program or Children’s Health Insurance Program, also known as CHIP.

Medicaid eligibility is determined based on your income from being a truck driver. Medicare is also available for the elderly, pregnant women and adults and children with disabilities.

Frequently Asked Questions

Many trucker insurance websites mention med-share programs. are these a scam.

Med-Share programs are Faith-based insurance cost sharing groups. Your monthly payment goes into an escrow account for all members. You request reimbursement for medical expenses.  If you are looking for a PPO plan through Med Cost Sharing program, you will need to wait for open enrollment. It’s important for you to know that these are not federal Healthcare Marketplace approved plans.

Why Do I Need Occupational Accident Insurance?

As an Independent Owner Operator, your health and wellbeing are on you. If you are injured in an accident, Occupational Accident Insurance can provide a benefit for lost wages. This will help cover a gap in your income. Some companies that you contract with may provide this insurance ahead of time.

What Long Term Health Do Problems Truckers Suffer From?

A survey by the Center For Disease Control (CDC) found long-haul truck drivers have the following medical conditions:  ( 4 )

  • 14% have Diabetes
  • 26% have High Blood Pressure / Hypertension
  • 75% reported low physical activity
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Health Insurance for Truck Drivers

Trucking is classified as a high-risk profession per The Bureau of Labor Statistics It is one of the most dangerous jobs because the combination of long hours and sleep deprivation increases the chances of accidents. An estimated 70% of truck drivers have at least one grave health condition.

Many independent operators are forced to purchase their individual or family policies. Unfortunately, they are not able to afford the premiums to obtain the proper amount of insurance they need most of the time. Luckily, there are other options truck drivers have for health insurance. Let’s take a look at them.

Your Health Insurance Options as a Truck Driver

  • Through the government marketplace during open enrollment or via a special enrollment period due to a qualifying life event outside of open enrollment
  • Through a short term medical plan
  • Through Medicaid or the Children’s Health Insurance Program (CHIP)
  • Through a government-compliant medsharing plan.

Note that you can also purchase supplemental insurance such as dental, vision, critical illness, or accident policies at any time.

Now, two of those options listed above would be based on your income level. Given that the average salary for a truck driver right now is $43,464 a year per Glassdoor.com, that eliminates Medicaid and most of the benefits through the government marketplace plans assuming you had a qualifying life event (marriage, childbirth, etc.) since they do not give any subsidies for individuals that make over $48,240.

So that means even if you have a qualifying life event and make less than $48,240 a year, you still won’t get much assistance from the government unless you make less than $30,150 which qualifies you for a subsidy plus cost-sharing. Between the other two options left, short-term medical plans and medsharing plans, the medsharing plans are the only ones that are government compliant which would exempt you from the tax penalty for not having insurance.

Once you understand your options as a truck driver, the choice for which plan is best for you becomes pretty obvious in most cases, a medsharing plan. This is especially true if you make more than $48,240 per year, which means the best value plans you have to choose from inside of open enrollment are very similar to your choices outside of open enrollment because you make too much to qualify for a government subsidy.

There’s no sense in waiting until open enrollment. Let’s talk more about what these medsharing plans offer.

Medsharing – The Best Insurance For Truck Drivers

These plans operate very similar to traditional health insurance except the premiums are put into an escrow account and claims are paid less than the Members Shared Responsibility Amount. Preventative care, doctor visits, prescription discounts, and more are all included in medhsaring plans.

Some of the benefits of Medsharing plans are:

  • They can be purchased year-round.
  • They are government compliant but not affiliated with the government at all, which means they exempt you from the tax penalty and it keeps the government out of your business.
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  • PPO Network
  • Monthly premiums are much lower (usually about half the price of government ACA plans) because of the way they structure their plans
  • Your price is based on your age bracket, so you can have peace of mind that your health insurance premium will stay the same until you reach the next age bracket
  • Your monthly payments go towards helping other members as opposed to corporate higher-ups
  • When negotiating your bills they have leverage due to the cash they bring to the table as well as tax benefits from being a non-profit organization

If you are interested in learning more about medsharing plans and/or your options for health insurance as a truck driver, please contact one of our licensed agents toll-free at (800) 353-8870 or request a quote below.

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The Bureau of Labor Statistics has classified Trucking as a high-risk profession. Trucker’s health is at risk because of smoking, sitting for a long period of time, back problems and of course accidents risks due to fatigue and long hours behind the wheel. An estimated 70% of truck drivers have at least one grave health condition. Unfortunately, not all of the owner-operators can afford their individual or family policies.  Some trucking companies offer healthcare coverage for their employees. However, these heakth insurance benefits are not always offered by the leasing company to self-employed people.

Do Truck Drivers Get Health Insurance?

As we already mentioned, truckers have a unique set of health risks having in mind how risky their job is. Therefore there is no reason why they should be denied affordable health insurance plans. But before you choose an insurance company, make sure health insurance is included in the bundle package. A lot of those companies provide a wide variety of insurance options, but the one you need isn’t part of them.  It’s also important to note that dental, vision, critical illness, or accident insurance aren’t typically covered by health insurance plans. However, you can get coverage for things like these through supplemental insurance.

What is Truck Drivers Health Insurance?

For quite a while, truck drivers have been paying high insurance premiums and coverage that didn’t really meet the needs of the insured. All of that happened because their needs have been ignored by the insurance industry. But that was in the past. Now the truckers have a lot more coverage alternatives than they’ve ever had before.

What Are the Health Insurance Options For Owner Operators?

There are a couple of various kinds of healthcare alternatives for truckers, and although you may feel like you are healthy, the dangers that accompany truck driving can be unexpected. That’s why you better invest in at least one coverage option.

  • Health Savings Account (HSA)- People that are in good health are very likely to choose this option. However, if you are looking for lower deductibles you better look into other plan options. You pay less per month for coverage but you have a higher deductible. However, there is an additional advantage. The money you add to your Health Savings Account cannot be taxed by the government. 
  • Owner-Operator Independent Driver’s Association ( OOIDA)- this organization stands up for professional truck driver’s rights. To become a member you need to pay a small yearly fee. This provides you with lots of benefits, including healthcare. These benefits can extend to your family, and there are many options for coverage providing high amounts of flexibility and a variety of other types of insurance through OOIDA.
  • The NRA and Insurance –  Similar to OOIDA, NRA offers access to healthcare coverage for its members. While this is validated healthcare, the policies offered might not be similar or comparable to full healthcare insurance. This type of coverage could assist fill in the gap from other healthcare coverage. 

How to Find the Best Health Insurance For Truck Drivers

Before you make your final decision and choose the insurance company for you, make sure you ask yourself ( and understand) the following: 

  • How much is my deductible and what is my maximum individual out of pocket? 
  • What is my maximum family out of pocket?
  • Which hospitals and doctors are in my preferred network?
  • What is my coverage for other therapies? 
  • What is my prescription drug coverage? 
  • Is this a health-care or a health-share program? ( Read more about the health-share program )

Now that you have answered the questions, you have a better understanding of what exactly are you looking for. 

What can we do for our Owner-Operators? 

For Matrix, safety comes first! And because we care so much about our drivers, we are doing our best to keep them safe. Especially during this pandemic. We were able to negotiate some competitive Health Insurance rates with Blue Cross Blue Shield for all of them! If you are interested, don’t hesitate to call us now at 773-977-7793 opt 3! For more information and updates on Matrix’s services , you can follow us on Facebook , Instagram , LinkedIn , and Twitter ! 

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Health Insurance For Truck Drivers

Suppose you’re already a certified trucker or considering a career as a truck driver. In that case, it’s important to weigh the benefits available  if you choose trucking as your career. This includes taking a closer look at the potential salary and other perks, such as truck driver health insurance coverage. Although some companies may offer their employees the opportunity to join the company’s health insurance, policies can vary, and some companies don’t. Fortunately, truck drivers have several options when it comes to health insurance. The type of plan can often depend on how long the driver has been qualified, their salary, and what they can afford according to their unique requirements. 

Why do truck drivers need health insurance?  

Working in logistics services, your health is vital to doing your job. If you become sick or injured, this could result in downtime as you may not drive for a certain period. While many companies offer sick pay, not having health insurance could risk a loss of income in the long term. This is why truck drivers should consider the types of plans available to protect their future finances. If you have the right health insurance plan, that will go a long way towards ensuring that you get the affordable medical care you need quickly so you can get back on the road as soon as possible. There are several types of health insurance for truck drivers. 

Truck insurance for new CDL drivers  

One of the best options for truck driver insurance for new CDL drivers is the  Affordable Care Act (ACA) . This is more suitable for more recent drivers on an entry-level salary because one of the conditions is that you need to earn below a certain threshold. This income threshold changes each year, but experienced truck drivers who earn upwards of $50,000 a year may not qualify. This is because the main aim of the ACA is providing healthcare to those who may not normally be able to afford it. 

Medsharing plans  

Another option both new and experienced truck drivers have is government-compliant medsharing plans. These operate similarly to traditional plans, with the difference being that premiums are put into an escrow account, but they are typically much lower than ACA plans. Claims are paid after the deduction of a set Members Shared Responsibility Amount. 

Short-term health insurance plans  

If you’re between jobs or unable to afford ACA insurance premiums, a short-term health insurance plan may be a suitable solution. The truck driver health insurance coverage offered by short-term plans will vary according to the state you live in. The purpose of these plans is to fill a gap, which can be very useful, but it’s important to shop around and find the provider that offers the coverage you need with minimal limitations. Here is a quick guide to  short-term health insurance providers  with more details. 

Health Savings Account (HSA)  

A  Health Savings Account (HSA)  may be a good choice for truckers without current health issues. It’s a way to save money for future medical care for yourself or your family. Another benefit is that it gives truck drivers more control over their health insurance. You should consider an HSA as more of an investment as your money works harder in this type of account, and your contributions go in before taxes. It also works in conjunction with a high-deductible health insurance policy. 

Owner-operator Independent Health Insurance (OOIDA)   

Truckers also have the option to become members of  Owner-operator Independent Health Insurance (OOIDA) . By becoming a member, you will be entitled to healthcare and life insurance for you and your family. There are several benefits of OOIDA health insurance. The medical benefits group offers different types of plans so that OOIDA health insurance costs can vary. There are, however, many discounts and rebates offered by their service providers, which will help to bring down OOIDA insurance payments. 

National Truckers Insurance Company (NITIC)  

Another organization truckers can join is the National Independent Truckers Insurance Company (NITIC). They provide health insurance plans specifically designed for truck drivers. These can include protection in the case of damage or injuries caused by trucking accidents. Deductibles can vary according to location, your driving record, and the location of your company. If you’d like to learn more about the NITIC and customer experiences, try reading some  (NITIC) truck insurance reviews . 

Disability insurance  

One final type of truck driver health insurance worth considering is disability insurance. This can be available as a short-term or long-term plan if you’re unable to work due to disability. Truckers are out on the road all day, and there is a risk of accidents. If you were injured while driving that left you out of work for a while or on a long-term basis, disability insurance could help to support you and your family during the recovery process. For this reason, it’s especially advisable to consider disability insurance if you’re working in logistics services. 

How to choose a company with the best benefits for truck drivers  

If you’re looking for work as a truck driver, you may find that some employers will offer health insurance or some coverage. The important thing is to be mindful and determine precisely what is covered and how the insurance plan works. It could also be worth considering a higher salary, other perks, and looking into different types of insurance plans. If you’re not sure which health insurance plan to choose as a truck driver, seek professional advice from a logistics company that can provide support. 

At Warrior Logistics , we empower all our truck drivers to achieve their full potential. We provide all the necessary support they need to progress in their career. This includes information about truck driver health insurance coverage, perks and benefits of the role, and CDL certifications. 

Find out more today if you’d like further details about health insurance for truck drivers or starting a career on the open road. 

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  • Nov 17, 2022

Health Insurance Options for Owner-Operator Truck Drivers

As an owner-operator truck driver, your health is the most important thing when it comes to doing your job. If you become sick or injured, this could result in extended downtime as you may not be able to drive. While many company drivers are offered sick pay, owner-operators do not have this luxury. On top of this, not having health insurance could lead to additional costs in the long term.

This is why truck drivers should consider the types of health insurance plans available to protect their future finances. If you have the right health insurance plan, it will go a long way toward ensuring that you get the affordable medical care you need quickly so you can get back on the road as soon as possible.

Health Insurance Expenses

As an independent contractor, you can seek a health insurance plan that offers individual or family coverage through the marketplace, a private insurer, or a trade association. When you sign up for a health insurance plan, you must pay your monthly premiums on time to keep your policy in effect. If you are late, your health coverage may be canceled. However, since you are self-employed, you can claim a 100% deduction of your health insurance premiums if your employed spouse doesn’t have access to company-offered insurance.

Truck Driver Health Insurance

If you have one or more employees who work for you, it might be possible for you to qualify for a small group coverage policy. The premiums you’ll pay for health insurance on behalf of your employees will be fully deductible. As an owner-operator, you are running your own small business, and the Affordable Care Act (ACA) defines a small business as a group of 50 or fewer full-time employees.

Deductibles

In general, the deductible refers to the amount of money an individual will be responsible to pay before significant health insurance benefits kick in. In general, the higher the deductible is the lower the monthly premium costs will be.

Tax Tip - Use a health savings account (HSA) in combination with a high deductible health plan (HDHP) to save money tax-free. Grow the HSA balance by contributing frequently at hold a balance of at least your deductible. Think of this as a health escrow similar to your maintenance escrow. The HSA funds can be used to pay your deductible and other health-related costs.

Bonus Tip - For 2022, the maximum contribution amounts are $3,650 for individuals and $7,300 for family coverage. If you're 55 or older, you can add up to $1,000 more as a "catch-up" contribution. HSAs have no use-it-or-lose-it provision. Any funds still in the plan at the end of the year can be rolled over indefinitely. People that are in good health may be more likely to choose this option.

In general, individuals are responsible for paying for a portion of their health costs such as doctor visits or purchasing prescriptions. The amount paid by the individual will depend on the health insurance plan you choose.

Coinsurance

This is the percentage of the medical costs that you’ll have to pay after reaching your deductible and before reaching the max out-of-pocket amount. For example, if your plan offers an 80/20 policy, your insurance company will 80% while you’ll have to pay 20% of the cost incurred after you reach your deductible.

Max out-of-pocket

This is the total cost for an individual or family for medical costs. When medical costs, during the year, exceed the plan’s maximum out-of-pocket cost, the medical excess costs are covered by the insurance company.

Insurance Options

Federal or state marketplace.

One option truck drivers have for health insurance is an individual or family plan through the Affordable Care Act (ACA). You can get these plans through government exchanges or through brokers.

The federal government creates an “open enrollment period” where you may enroll for the first time or change your health insurance without a qualifying event. The open enrollment period typically runs from November 1st through December 15th each year. In most states, health insurance plans start on January 1st of the following year. These health plans are required to provide essential health benefits, cover pre-existing conditions, and have limits on deductibles, copayments, and out-of-pocket maximum amounts. These are policies that are similar to employer-sponsored insurance.

It’s important to note that health insurance plans are typically available by the state and zip code in which you live. This is important to consider when dealing with health insurance as a truck driver because you’re constantly traveling. Some truckers travel over state lines which means their health insurance may not cover them if they need healthcare while on the road.

You should also know that, depending on your income, you can get a subsidy to help afford your monthly health insurance premiums. When you apply for health insurance through the federal or state marketplace or exchange, you need to estimate your family income for the year. If your income is below a certain amount, you may be eligible to receive a subsidy to help you pay your monthly insurance premiums.

At the end of the year, you need to calculate how much your household income actually turned out to be. If your income is above the amount you estimated, you may have to pay back some or all of the subsidized assistance you received back to the marketplace as part of your tax liability. These subsidies had been set to expire in 2023 but the Inflation Reduction Act has extended these subsidies through the end of 2025.

Short-Term Health Insurance Plans

Short-term health insurance plans are great for those who find ACA health insurance premiums unaffordable. This insurance helps provide an affordable health insurance coverage safety net for those who can’t afford individual or family insurance.

It’s important to remember that short-term plans can deny you based on pre-existing conditions or can refuse to pay for medical conditions the policyholder had before the plan took effect.

While these plans are cheap and can provide you with some health insurance coverage, they do not have the same comprehensive coverage as ACA-compliant plans.

Though the benefits are not as robust as an ACA-compliant plan, Short Term Health Insurance can save you money in insurance premiums. These plans are recommended for drivers that are in relatively good health.

If you are just getting started as an owner-operator, an affordable Short-Term Medical Policy may help control your costs.

Organizational Insurance

Through the Truckers Service Association (TSA) you can enroll in Independent Advantage Health Insurance Coverage. They have two options, Major Medical coverage, and Limited Medical coverage. Major Medical options are available for owner-operators through many of the nation's top major medical carriers. Limited Medical coverage is their lower-cost alternative that provides assistance with day-to-day medical expenses. Limited medical plans have an annual cap on the amount the insurer will pay for medical expenses and some benefits have a per-visit limit. Contact a TrueChoices advisor to learn more and enroll.

Truckers also have the option to become members of the Owner-Operator Independent Drivers Association (OOIDA) and take advantage of their healthcare and life insurance for themselves and their families. There are several benefits of OOIDA health insurance. The medical benefits group offers different types of plans so that OOIDA health insurance costs can vary. There are, however, many discounts and rebates offered by their service providers, which will help to bring down OOIDA insurance payments.

Another organization truckers can join is the National Independent Truckers Insurance Company (NITIC). They provide health insurance plans specifically designed for truck drivers. These can include protection in the case of damage or injuries caused by trucking accidents. Deductibles can vary according to location, your driving record, and the location of your company.

Medsharing Plans

Another option truck drivers have for health insurance is government-compliant medsharing plans. These plans are similar to traditional health insurance except your premiums are put into an escrow account. Apart from the Member’s Shared Responsibility Amount, claims are paid through the escrow account. Preventative care, doctor’s visits, and prescription discounts are all things you can expect to be included in a Medsharing plan. You can typically purchase coverage through these plans year-round.

The best policy is one that strikes a balance among premiums, deductibles, and coverage that makes sense for the individual.

So Should You Have Insurance as an Owner-Operator Truck Driver?

Treat insurance as an investment in your financial well-being, not just your health. While the vast majority of uninsured U.S. adults cite high costs as the main reason for lacking coverage, out-of-pocket medical bills are the leading cause of American consumer bankruptcy. Of course, not paying for insurance can be less expensive in the short term, but uninsured people are just an illness or injury away from catastrophic health and financial consequences.

https://ratings.freightwaves.com/best-health-insurance-for-owner-operators/

https://www.forbes.com/advisor/health-insurance/best-health-insurance-for-self-employed-people/

https://www.ehealthinsurance.com/resources/individual-and-family/how-to-find-health-insurance-for-truck-drivers

https://americanhealthplansinsurance.com/health-insurance-for-truck-drivers/

https://www.nonforceddispatch.com/healthcare-coverage-options-owner-operators/

https://www.warriorlogistics.com/health-insurance-for-truck-drivers/

  • Your Health

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Best Trucking Insurance Companies

The right trucking insurance will give you peace of mind over the long haul.

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What do ice cream truck, dump truck, and owner-operator long haul truck drivers have in common? Besides driving really cool vehicles, they’re also required to have commercial trucking insurance to protect themselves and others on the road. 

Minimum insurance requirements vary depending on the type of truck you drive. So whether you’re delivering icy cold treats to kids at the local park or moving heavy cargo to a client seven states away, it’s important to find a company that offers the customizable coverage you need at an affordable cost for your business. 

If you’re shopping around for trucking insurance, here are some companies worth considering. Check out what they have to offer.

THREE by Berkshire Hathaway

Progressive

National independent truckers insurance company (nitic), evolution insurance brokers (eib direct), trucking insurance companies we recommend.

  • Customizable coverage options
  • Offers truck insurance, plus life, health, and dental coverage
  • Familiar with the insurance needs of truckers
  • Insurance available for members only
  • Not rated by AM Best
  • The Owner-Operator Independent Drivers Association (OOIDA) is a trade association specializing in trucking and advocating for truckers. It offers customized insurance coverage for members. 

OOIDA knows the ins and outs of the trucking industry. This association has supported independent truck drivers since it was established in 1973. It offers customizable truck insurance for its members, including primary liability, general liability, unladen liability, passenger accident, and physical damage coverage. 

In addition to truck insurance, the OOIDA also offers health and life insurance coverage for truckers and fleets. To become a member, you’ll need to pay a $45 membership fee, but it could be worth it to get coverage from an association advocating for truckers for nearly 50 years. 

Three by Berkshire Hathaway

  • Easy-to-understand coverage
  • Established company
  • Small business advisors available to chat about insurance
  • Not as many coverage options as other insurers
  • If you’re seeking straightforward coverage from a large, stable company, Three by Berkshire Hathaway could be worth a look. 

Three by Berkshire Hathaway bills itself as simple, jargon-free insurance, and that’s exactly what it offers. Unlike many insurers that offer a wide array of specialized coverages you need to request, Three gives policyholders broad coverage that suits the needs of many small business owners. 

For truckers specifically, Three offers liability, collision, hired and non-owned, comprehensive, and cargo coverage. It also had small business advisors available to answer questions. Additionally, Berkshire Hathaway has an A++ (Superior) AM Best rating, signaling its financial soundness. Three is worth considering if you’re a small business owner seeking comprehensive coverage for an owner-operator truck or a small fleet. 

  • Widely available coverage
  • Familiarity with the trucking industry
  • Lots of coverage options
  • No option to get coverage online
  • As an allied member of the American Trucker Associations, Sentry understands the needs of the industry and offers several coverage plans to help meet those needs.

Sentry offers several coverage options for truckers through its extensive network of local agents. Whether you’re an owner-operator seeking insurance or you want coverage for a small fleet, Sentry’s array of products can help keep you safe on the road. It offers commercial liability, general liability, non-trucking liability, physical damage, and cargo coverage. And if you need to file a claim, you can do so online or over the phone 24/7. 

Sentry has an A+ (Superior) AM Best rating, indicating it’s on firm financial footing. Those seeking flexible coverage options and personalized service from an established insurer may want to put Sentry on their shortlist for trucking insurance. 

  • High customer satisfaction ratings
  • Several coverage options
  • Limited policy information available on its website
  • With consistently high customer satisfaction ratings and flexible coverage options, State Farm is worth a look if you need trucking insurance.

While State Farm offers insurance for small trucking businesses, it doesn’t insure large trucks or long-haul carriers. Still, if you need to insure a commercial pickup truck or van, this insurer may have the coverage you need at a relatively affordable price. It offers liability, medical payments, collision, comprehensive, and uninsured motorist coverage. You can also file claims online instead of spending a ton of time on the phone with an agent after an accident. With an AM Best rating of A++ (Superior) and high marks on J.D. Power’s most recent U.S. Auto Insurance Study, State Farm’s policyholders benefit from its financial stability and excellent customer service. Businesses looking to insure a small truck or van may want to consider this insurer. 

  • Multiple discounts available
  • Offers customizable coverage
  • Insures several types of trucks
  • Relatively low customer satisfaction ratings
  • Progressive offers coverage options for several types of commercial trucks and policyholders can take advantage of multiple discounts.

Whether you’re looking to insure a dump truck, ice cream truck, flatbed, or street sweeper, Progressive has got you covered. Its customizable policies allow you to pick and choose the coverage you need based on the truck you’re insuring. And if you’re not 100 percent sure which coverage options make sense, you can speak to one of Progressive’s commercial truck insurance experts. 

Progressive also offers several discounts, including options to get lower premiums by paying in full for the year and providing access to your electronic logging device (ELD) data. While its varied coverage options and discounts may be attractive, Progressive received lower-than-average customer satisfaction ratings on the 2021 JD Power Auto Insurance Study . However, it has an AM Best score of A+, indicating the company is financially sound.

  • Convenient online quote process
  • Specializes in commercial truck insurance
  • Offers several sample quotes, signaling price transparency
  • Lower AM Best rating than some competitors
  • If you’re seeking an insurer that offers transparent pricing and specializes in coverage for commercial trucks, consider putting NITIC on your shortlist. 

Wondering how much a coverage plan might cost for a 52-year-old male with 20 years of CDL experience and a clean driving record? NITIC has you covered with its helpful sample price quotes . Plus, it lets you get a quote for coverage online — you won’t need to wait on the phone with an agent. In addition to price transparency and quick quotes, NITIC offers commercial truck coverage exclusively, so it’s familiar with the unique insurance needs of truckers.

Despite its positives, NITIC has a lower AM Best rating than many competitors. The agency gave it a B++ (Good) rating, which is far from poor but still something to consider as you’re shopping for coverage.

  • Can apply for coverage online
  • Insures single trucks to large fleets
  • Convenient claims filing via mobile app
  • Not rated by J.D. Power
  • Whether you want to insure a commercial pickup or an 18-wheeler, EIB Direct likely offers the coverage you need.

EIB Direct offers commercial trucking insurance issued by its holding company, Prime Holdings Insurance Services, Inc. Drivers seeking customizable policies for both smaller trucks and larger fleets can find coverage through this insurer. It offers liability, physical damage, cargo, hired and non-hired auto coverage, and more. Plus, you can file claims easily via the EIB Direct mobile app. 

Unlike some competitors, EIB Direct is not among J.D. Power’s top-rated insurers for customer satisfaction. However, AM Best recently upped its rating from an A- to an A, and EIB has a lot to offer, no matter the size of your fleet.

Average Cost of Trucking Insurance

While trucking insurance coverage will vary depending on the type of truck you drive and your coverage needs, a recent Progressive study offered some helpful insights into how much premiums might cost. The average monthly cost of premiums is around $640 for truckers in a specialty niche, like street sweeping or garbage hauling. Truckers moving heavy-duty freight can expect to pay a higher premium, averaging around $982 per month. 

These estimates were based on drivers with a clean record seeking minimum coverage only. Your rates will vary depending on several factors discussed below. 

How to Save on Trucking Insurance

Trucking insurance isn’t cheap, but it’s necessary. Fortunately, you can do a few things to save on coverage, and certain providers might offer special discounts you can take advantage of. 

  • Maintain clean driving records: Whether you’re a single owner-operator or you have employees, maintaining clean driving records can help keep your premiums relatively low.
  • Hire experienced drivers: Typically, insurance costs are lower for drivers with more experience. 
  • Pay for the year: If you pay your policy in full for the year rather than monthly, certain insurers may be willing to give you a discount on your coverage. 
  • Opt for a newer truck: Newer trucks with modern safety equipment may be less expensive to insure than older trucks with fewer safety features.
  • Carefully consider your routes: Mapping out your routes carefully could work in your favor as you shop for insurance. Insurers consider where you travel as they’re calculating the cost of your premiums. If possible, try to avoid major cities and areas known for terrible weather.

Essential Cost Variables for Insurance

Similar to your personal auto policy, several factors will impact the cost of your commercial trucking insurance, and you’ll likely get different quotes as you compare policies. Here are some things insurers typically look at to determine coverage costs. 

When it comes to commercial truck insurance, your years of experience will impact your insurance costs. Those with more years on the road will likely pay lower premiums than those with fewer years of driving experience.

In general, insurance companies consider males to be higher-risk drivers than females. Insurance Institute of Highway Safety data shows that men are more than twice as likely to be involved in a serious accident than women, so you may pay more for coverage if you’re a man.

Credit Score

Your insurer may look at your business credit score when you apply for coverage. Higher scores will likely result in lower premiums, as a high credit score indicates that you typically meet your financial obligations.

Your location and driving routes can also factor into the cost of your premiums. For instance, drivers located in a major metropolitan area may pay higher premiums. Those who often travel through major cities may also pay a higher cost for coverage.

Vehicle/Model

The type of truck you drive will impact the cost of your insurance. While it probably goes without saying, those who drive larger, older-model 18-wheelers will have more expensive coverage than drivers looking to insure a commercial pickup. 

Type of Coverage

While you must have certain coverages such as liability, other insurance coverages are optional. The type and amount of coverage you need for your truck will affect your premium costs. 

You’ve got questions. The Drive has answers.

Q. What are the major types of insurance a trucking company needs?

A. While proof of liability (property damage and bodily injury) and cargo coverage is required by the Federal Motor Carrier Safety Association (FMCSA), other coverages can offer valuable protection. For instance, you may also benefit from physical damage or bobtail coverage.

Q. Which companies offer the best trucking insurance?

A. Some of the best trucking insurance companies offer several coverage options and valuable discounts that can help keep costs down. If you’re shopping for coverage, consider comparing policies from the following providers:  OOIDA Three by Berkshire Hathaway Sentry State Farm Progressive NITIC EIB Direct

Q. Is insurance required for trucking companies?

A. Yes. The FMCSA — the U.S. government agency responsible for regulating the trucking industry — requires new operators to prove they have both liability coverage and cargo coverage. Minimum coverage amounts will vary based on whether you’re operating a freight or passenger vehicle.

Q. What is bobtail insurance coverage?

A. Despite its funny name, bobtail coverage offers serious protection. It’s a type of liability insurance designed to cover drivers who’ve already delivered their cargo and are heading home. So technically, it protects you when you’ve completed a job and you’re off-duty.

Our Methodology

To choose the best companies and products for this list, the team at The Drive looked at a large number of financial products from various providers. We focused on cost, product features and options, ease of use, customer service, and past customer ratings as the most important factors in our ratings.

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Why Trust Us

Our reviews are driven by a combination of hands-on testing, expert input, “wisdom of the crowd” assessments from actual buyers, and our own expertise. We always aim to offer genuine, accurate guides to help you find the best picks.

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Best Commercial Truck Insurance of 2024

Table of Contents

  • Best Commercial Truck Insurance
  • How We Chose

Whether you own a commercial trucking fleet or drive for yourself as a private contractor, a commercial truck insurance policy is a must. The best commercial truck insurance companies offer coverage that meet state liability requirements for a range of vehicles, owners, and drivers. These insurers also offer discounts to save on premiums, plus assistance filing state and federal paperwork, and provide responsive customer service.

We researched and reviewed the best commercial truck insurance companies to sign up for, taking into account coverage types, price, policy customization options, and more.

  • Best Overall Commercial Truck Insurance: Progressive »
  • Best for Single Vehicles and Fleets: Sentry »
  • Best for Owner-Operators: CoverWallet »

Best Overall Commercial Truck Insurance: Progressive

Coverage for a wide variety of trucks and trucking companies

Free state/federal insurance filings

Does business in all 50 states

Limits to travel radius may apply

Cannot purchase policy online; must work with agent

Progressive is one of the largest insurers of commercial trucking in the U.S., offering coverage for a range of vehicles and businesses, from tractor rigs and flatbeds to pickups and dump trucks. The insurer also offers specialized optional coverage, such as garagekeeper’s legal liability for tow truck operators, as well as more common add-ons like heavy truck roadside assistance. Additionally, Progressive says it will file any and all required state and federal proof-of-insurance certificates on behalf of policyholders free of charge. Progressive also boasts that it is the only insurer with a fully in-house team of claims adjusters. All of these factors are why we’ve named Progressive the best commercial truck insurer overall.

There are some potential drawbacks with Progressive, however. The company doesn’t offer primary liability insurance in Alaska, Hawaii, Louisiana, or New York to owner-operator “super regional” truckers, who cover a radius of more than 500 miles. And although Progressive’s website offers much more detail about its policy offerings than many competitors, you’ll still have to work with an agent in order to complete the quote process and purchase coverage.

Coverage types:

  • Liability (bodily injury/property damage)
  • Uninsured/underinsured motorist
  • Medical payments
  • Comprehensive
  • Motor truck cargo
  • Motor truck general liability
  • Non-trucking liability
  • Heavy truck roadside assistance
  • Rental reimbursement with rental
  • Trailer interchange
  • Garagekeeper’s legal liability
  • On-hook towing insurance

Discounts :

  • Smart Haul Program (electronic logging device)
  • Snapshot ProView (electronic fleet monitoring)
  • Business experience (operating for more than 3 years)
  • Commercial driver license
  • Prior insurance savings
  • Bundling with personal auto coverage
  • Bundling with general business owner’s policy (BOP)
  • Paid in full
  • Electronic payments

Financial strength :

  • A+ (Superior) from AM Best

Sentry logo

Best for Single Vehicles and Fleets: Sentry

Specializes in commercial car and truck insurance

Nationwide availability

Limited information about coverage available on insurer website

No option to purchase policy online

Unlike some companies Sentry only offers commercial insurance, and it specializes in trucking coverage. The company says it works with agents nationwide that only cater to truckers, and all of its in-house claim adjusters are trucking specialists, according to the insurer’s website. That kind of expertise could be a real plus for customers who prefer to work with a representative. But people who prefer an online approach may find that the Sentry website isn’t as detailed as those of some competitors.

  • Motor carrier insurance (rented vehicles, bodily injury/physical damage, loss-of-use expenses due to theft)
  • Physical damage insurance (collision, comprehensive, named perils)
  • Motor truck cargo insurance
  • Non-trucking liability (use for non-business purposes)
  • General liability (medical expenses, legal expenses, physical damage)

CoverWallet logo

Best for Owner-Operators: CoverWallet  

Quotes available online or through an agent

Works with multiple insurers to find cheapest coverage

Covers a wide range of trucks and drivers in multiple industries

Not an insurance company; does not underwrite the policies it offers

May not be able to buy coverage online

CoverWallet isn’t an insurance company, it’s a digital insurance brokerage that works with 10 third-party insurers to find customers the best policy for their particular needs. Insurers represented include Hiscox, Chubb, Travelers, and Progressive, all of which are included in our rating of the best small business insurance companies . CoverWallet could be a good option for owner-operators because the insurers represented offer a number of specialized coverages, such as hot shot truck insurance (for freelance drivers who haul loads on short-notice basis) as well as traditional owner-operator insurance.

Unlike other companies, you may be able to get a quote online and purchase coverage without having to speak to an agent, though some companies may require working with a representative in order to complete the transaction. Also, some customers may prefer working directly with an insurance company, rather than going through an intermediary like CoverWallet.

  • Box Truck 
  • Bobtail 
  • Hot Shot Truck 
  • Motor Truck Cargo 
  • Refrigerated Truck 
  • Semi Truck 
  • Car Hauler 
  • Dump Truck 
  • Flatbed Truck 
  • General Liability for Truckers
  • Owner Operator Insurance
  • Log Truck 
  • Non-Trucking Liability 
  • Trailer Interchange 
  • Commercial Trailer 
  • Truck Driver 
  • Long Haul Trucking 

The Bottom Line

When it comes to choosing the best commercial truck insurance, Progressive may be the best insurer for most drivers and owners. However, this kind of coverage is highly specialized, and the best insurance company for a fleet owner may not be the best provider for an independent contractor who owns his own rig or cargo van. Because Progressive is one of the insurers represented by CoverWallet, it may pay to check with CoverWallet first to see if it or another company can meet your needs.

How We Chose the Best Commercial Truck Insurance

At U.S. News 360 Reviews, our editors consulted a number of expert sources to conduct this review. We narrowed down our selection with additional research, paying particular attention to policy ad-ons, discounts, and offerings for a variety of people and businesses from large fleets to individual owner-operators and for-hire drivers. We also took the company’s financial strength into account. Overall, we found that the best policy is one that combines affordability with sufficient protection for your needs, whether you drive for a ride-sharing service or own a cross-country shipping line.

WHY SHOULD YOU TRUST US?

Our contributors and editors have years of experience researching, testing, and reviewing products. Scott Nyerges , the author of this piece and a senior editor for 360 Reviews, has more than a decade of consumer news and product review experience in insurance, health and fitness, shopping, travel, and food. He has worked for Consumer Reports, ThoughtCo, and ConsumerSearch.

Commercial truck insurance is form of business insurance that is designed to protect the policyholder against financial loss or hardship that results from covered incidents and perils such as:

  • Injury to employees, customers, and others
  • Damage to or loss of cargo
  • Damage to or destruction of personal property, yours or others

In most cases, a commercial truck insurance policy will cover any employee who is driving a company vehicle. Some insurers require that these drivers – sometimes called “permissive users” – be named on the policy; other companies do not. Addtionally, a commercial truck policy may or may not include coverage for personal use, depending on who owns the vehicle (yourself versus your employer, for example), among other factors.

Coverage requirements and amounts vary from state to state and vary greatly based on the kind of truck or vehicle you drive. Rates and coverage needs depend on whether you drive for an employer on a full-time basis or work on a contract or freelance basis, and whether you own or lease your own rig or drive one owned by an employer.

As with car insurance, a standard commercial truck policy should include:

  • Liability insurance protects you from financial loss if you’re found responsible for physical damage to another person’s property. It also covers medical bills related to any injuries you may cause to others. 
  • Collision insurance pays for repairing physical damage to your vehicle caused by an accident or striking an object like a street lamp.
  • Comprehensive insurance pays for physical damage to your truck caused by a non-accident-related covered peril such as vandalism or weather damage.
  • Uninsured/underinsured motorist insurance is designed to reimburse you for expenses related to being struck by another driver who is either uninsured or lacks sufficient coverage to pay for your damages. It may or may not be optional.

In addition, a commercial truck insurer should offer:

  • Motor truck cargo insurance is designed for for-hire drivers who drive dump trucks, tractors, box trucks, cement mixers, cargo vans, dually pick-ups, flatbeds, or car haulers. It offers liability protection against damage to or loss of cargo, including dumping of loads and fire or collision.
  • Non-trucking liability insurance is designed for drivers who lease their vehicles from an operator that provides primary liability coverage. This kind of insurance covers your truck during personal (non-business) use, including running errands and attending family events. It does not cover hauling loads or transit to and from the workplace.
  • Rental reimbursement insurance will cover the leasing of a replacement truck for a set period of time (e.g. 30 days) if your own vehicle is rendered inoperable due to an accident. This insurance may also include compensation for bills or truck payments if you are unable to work due to your truck being inoperable.
  • Trailer interchange insurance protects you from financial losses if the trailer or cargo it contains is damaged by fire, collision, or vandalism, for example.

In most cases, you must carry commercial truck insurance if you drive a car, truck, van, or specialized vehicle to conduct business. Examples include:

  • Transporting goods, such as a flower delivery van
  • Carrying passengers, such as ride-sharing cars or limousines
  • Providing a service, such as a mobile pet-grooming van
  • Hauling heavy equipment or tools with a vehicle and/or a trailer

Nearly every state imposes some sort of minimum requirement for liability insurance, although coverage amounts and limits vary from state to state. Most also impose additional insurance requirements that depend on what kind of commercial business you own or work for.

As with other kinds of insurance, the price that you pay for a commercial truck policy will depend on a number of factors, including:

  • State where your business is located
  • Years of operation as a business
  • Driving history
  • Distance driven, aka operating radius or usage radius
  • Type of truck(s) driven
  • Kind of cargo being carried
  • Amount of coverage needed
  • U.S. Department of Transportation authority, if required

U.S. News 360 Reviews takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

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What trucking companies have the best health insurance?

Discussion in ' Questions From New Drivers ' started by VinnyVincent , Oct 11, 2018 .

VinnyVincent

VinnyVincent Light Load Member

Hi, So one of the main reasons I'm getting into trucking is because I need good health insurance and I need it quickly, which isn't possible in my current industry. With that said; I may as well be looking for a company that offers some of the best benefits. I would also specifically like to know how the health insurance at Schneider is. They are currently the company I am strongly considering starting out with.  

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Chinatown

Chinatown Road Train Member

Which state will you live in after you get this new career started? Which city will you live near?  
Chinatown said: ↑ Which state will you live in after you get this new career started? Which city will you live near? Click to expand...
Tanker companies probably have the best health insurance and maybe food service companies. Plenty of tanker companies hire Houston drivers right out of cdl school. Labatt Food Service in Houston hires new cdl grads. Lily Transportation is hiring Houston drivers. Call and ask about health insurance . Lily has been hiring new cdl grads lately. $75,000 - $85,000 a year Do you want tanker company names? ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~  
Here's some tanker companies that hire Houston new cdl grads: SVTN - www.svtn.com Tidewater Transit Gemini Transport Western Dairy Transport - www.wdtmilk.com Superior-Carriers CTL Transportation Schneider Bulk Trimac Transportation W.W. Transport - may have something; it's non-hazmat food grade dry bulk. www.wwtransportinc.com  
Thanks ChinaTown! Extremely useful info right there! I was under the impression that food grade might not pay as much as HAZMAT, but 75-85K seems great! Maybe I should look more into that. No need to expose myself to hazardous substances if I don't have to, I suppose.  
W.W. Transport hauls lots of corn and flour. I did some of that when I worked for Tankstar and it's really easy work with good pay.  
If you decide you can't do a private cdl school right now, then try Western Dairy Transport and FFE (Frozen Food Express) since they both have their own cdl school and provide meals & lodging. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ---Western Dairy Transport truck photo:------FFE (Frozen Food Express) truck-----  
Chinatown said: ↑ If you decide you can't do a private cdl school right now, then try Western Dairy Transport and FFE (Frozen Food Express) since they both have their own cdl school and provide meals & lodging. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ---Western Dairy Transport truck photo:------FFE (Frozen Food Express) truck----- Click to expand...
I'm a proponent of trucking company schools; not all of them, but a few are pretty good. We just do what fits our situation best.  

health insurance for small trucking companies

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The 10 best insurance companies for small businesses

Running your own business can be satisfying with the perks of being your own boss, higher potential of success, and independence. But it also has its own challenges and stresses. One of the most significant challenges is protecting your business from liabilities or losses, which is why small business insurance is so important. Whether you’re the victim of a data breach or a customer is injured on your premises, the right insurance policy provides peace of mind and keeps your business operational.

To help you find the best insurance for your company, we evaluated 22 insurance companies based on their available coverages, customer service and financial stability ( view our full methodology ) and identified the top 10 small business insurers.

The 10 best small business insurers of February2024

  • Best overall: State Farm
  • Best for customer service: Nationwide
  • Best for financial stability: Chubb
  • Best for commercial auto coverage: Allstate
  • Best for coverage add-ons: The Hartford
  • Best for landlord coverage: American Family
  • Best for data breach or cyber insurance: Travelers
  • Best for policy discounts: Farmers
  • Best for home-based businesses: The Hanover
  • Best insurance marketplace: CoverHound

Whether you’re a solopreneur or you manage a growing team, running your own small businesses is a booming trend. The Economic Innovation Group reported that Americans submitted 5.5 million new business applications in 2023, an increase of 8% from the prior year. 

For new business owners and those who have been managing a company for years, it’s a good idea to shop around periodically and review your business insurance needs to ensure you have adequate coverage. To help you get started, here are our picks for the best small business insurers of 2024.

1. Best overall: State Farm

About: Founded in 1922, State Farm has been providing insurance coverage for over 100 years, and it has an outstanding reputation in the insurance industry. It has the highest-possible AM Best Financial Strength Rating of A++, signaling its financial stability and reliability, but it also stands out due to its innovative products, award-winning mobile app, online platform, and other tools. And it also has high scores for customer support. 

  • Am Best Rating: A++ (Superior) 
  • J.D. Power Customer Satisfaction Index Ranking: 2nd out of 13 issuers
  • Number of Small Business Products: 14 small business insurance products and add-ons
  • Customer support:  State Farm’s customer support is available via chat or phone, or you can contact a local agent; State Farm has over 19,000 agents in the U.S. 

Our verdict

State Farm is best for companies in a broad range of industries, from bakeries to plumbing. It is particularly useful for newer companies or business owners who are unsure of what kind of coverage they need; State Farm has several tools— including a simple online quiz— that can help you identify what insurance products and add-ons are right for your business. State Farm has comprehensive solutions, including coverage for liabilities, property, employees and even life insurance for the business owner. 

2. Best for Customer Service: Nationwide

About: Nationwide has been in operation since 1925, and it provides customers with a variety of insurance products, including both personal and business coverage options. For small business owners, Nationwide offers a broader-than-usual range of insurance solutions, including business liability coverage, workers’ compensation insurance and commercial umbrella policies. 

  • Am Best Rating:   A (Excellent) 
  • J.D. Power Customer Satisfaction Index Ranking: 1st out of 13 issuers
  • Number of Small Business Insurance Products: 14 
  • Customer support:  Nationwide allows business owners to get quotes online, or you can connect with an agent over the phone or in person. 

Our verdict 

Nationwide is best for small business owners with fewer than 100 employees and under $5 million in revenue because that’s the company’s requirements for its business owners policies (BOPs).  BOPs are packages of coverage that combine business liability, commercial property, business income and equipment breakdown insurance into one policy. 

Nationwide has an outstanding reputation for customer service, and you can reach customer support in several different ways. Additionally, the company has many optional add-ons you can use to customize your policy for added protection. 

3. Best for Financial Stability: Chubb

About: Chubb is a major insurer for both small and large businesses. It has a separate website and division for small businesses, with products specifically designed for small business owners, such as BOP and general liability coverage. 

  • AM Best rating: A++ (Superior) 
  • J.D. Power Customer Satisfaction Index Ranking: 9th out of 13 issuers
  • Number of small business insurance products: 7
  • Customer support:  You can contact Chubb customer support through a local agent or by phone.

As a business owner, you hope your business will be in operation for years to come, so you want to know your insurer will be able to protect you for the long-term. Chubb has the highest-possible AM Best rating of A++ (Superior), indicating that it should be able to honor any claims today and in the future.

4. Best for Commercial Auto: Allstate

About: Allstate is known for both its personal and business insurance, but it may be an especially appropriate choice for those who need commercial auto coverage. Allstate insures a wide variety of vehicles, including box trucks and service utility trucks. 

  • AM Best rating:   A+ (Superior)
  • J.D. Power Customer Satisfaction Index Ranking: 5th out of 13 issuers
  • Number of small business insurance products: 6
  • Customer support: Customer service is available through a local agent, phone or online chat. 

If you have a fleet of commercial vehicles for deliveries, moving inventory or shipping supplies, Allstate can provide necessary protection. Through Allstate, your vehicles will be protected with liability, collision, comprehensive and uninsured/underinsured motorist protection. Plus, you can also get rental car coverage to keep your business in operation if one of your vehicles is damaged in an accident 

5. Best Coverage Add-Ons: The Hartford  

About: The Hartford is a leading commercial insurance provider, offering both commercial business insurance and employee benefits. The Hartford has robust coverage options, including specialized insurance policies for a broad range of industries and optional add-ons you can use to customize your coverage. 

  • AM Best rating: A+ (Superior)
  • J.D. Power Customer Satisfaction Index Ranking: 10th out of 13 issuers
  • Number of small business insurance products: 17
  • Customer support:  The Hartford’s customer support is available through phone or local agent.

The Hartford is an insurance company best-suited for business owners in specialty industries, such as shipping companies that send goods overseas or those that operate in areas prone to flooding; the Hartford has commercial flood insurance and inland marine insurance options, which aren’t commonly found from all insurers. 

6. Best Landlord Coverage: American Family

About: American Family has been in operation since 1927, and it sells personal, business and farm and ranch policies. For landlords that rent out houses, condos or apartment buildings, American Family has unique options to protect your building structures, and offer liability coverage. 

  • J.D. Power Customer Satisfaction Index Ranking: 7th out of 13 issuers
  • Customer support:  You can reach American Family’s customer support through an agent or by phone. 

Getting adequate coverage as a landlord can be challenging, so American Family may be a valuable resource. Its complete coverage option for landlords provides comprehensive insurance, and includes an extensive loss control program to reduce potential losses in the future. 

7. Best for Data Breach or Cyber Insurance: Travelers

About: Travelers has a longstanding history and presence globally; it operates offices and has agents in the U.S., Canada, the United Kingdom and Ireland. Besides essential business insurance products like business owner’s policies and general liability, it also has specialized options for a range of industries, including companies who do most of their business online and need cyber insurance. 

  • AM Best rating: A++ (Superior)
  • J.D. Power Customer Satisfaction Index Ranking: 12th out of 13 issuers
  • Number of small business insurance products: 14 
  • Customer support:  Travelers insurance policies are sold through independent agents, and the agent is who you can go to with any questions about coverage.

If you’re part of the 29% of businesses that conduct business online, Travelers provides cyber insurance coverage and added features for digital businesses.  In addition to cyber insurance, it also provides customers with cyber security training modules, risk assessment tools and other resources to help you protect your business. 

8. Best for Policy Discounts: Farmers

About: Farmers Insurance can trace its history to 1928, and it offers a variety of business insurance products for small businesses. And it has a larger-than-usual number of discount options which can make your small business insurance policy more affordable, including: 

Corporation discount: If your business is a corporation, you can save 15% on your premiums. 

Vehicle safety discount: If you have commercial vehicles with safety features like lane departure notifications, you may qualify for added savings. 

Multi-policy discounts:  If you purchase multiple insurance products, such as BOPs, worker’s compensation or personal auto or homeowners insurance, you may qualify for a reduction in your premiums. 

  • AM Best rating: A (Excellent)
  • J.D. Power Customer Satisfaction Index Ranking: 4th out of 13 issuers
  • Customer support: Farmers’ customer support is available via chat, phone or agent. You can reach customer service Monday through Friday, from 7:00 a.m. through 11:00 p.m. CST, and Saturday and Sunday from 8:00 a.m. through 8:00 p.m. CST. 

Small business owners looking to save money may benefit from Farmers’ small business insurance. Particularly if you have a corporation, need to purchase a BOP or have commercial auto vehicles, Farmers’ discounts can be especially valuable. 

9. Best for Home-Based Businesses: The Hanover

About: Founded in 1852, The Hanover is one of the oldest insurance companies on our list. It has coverage options for both personal and business insurance. The company has several specialized small business insurance products, including four separate packages for those who run home-based businesses. 

  • AM Best Rating: A (Excellent)
  • J.D. Power Customer Satisfaction Index Ranking: Not rated 
  • Number of small business products: 12
  • Customer support:  Customer support is available via phone or agent. 

If you have a home-based business, such as listing your property on homeshare sites, tutoring or graphic design, The Hanover could be a good match. It has several packages designed for the unique needs of home-based businesses of different sizes, ensuring you have protection for your business, inventory, equipment and any clients. 

10. Best Insurance Marketplace: CoverHound

About: CoverHound is an insurance marketplace that connects users to personal and business insurance policies. It sells policies to residents of all 50 states, and it partners with major insurers like Chubb, Liberty Mutual and Nationwide. 

  • Number of small business products: 13
  • Number of partner carriers: 7
  • Customer support: You can reach CoverHound’s customer service team via email, phone or secure message. Customer support is available Monday through Friday, from 10:00 a.m. through 8:00 p.m. EST. 

CoverHound is a good match for people looking to purchase coverage quickly and streamline their research efforts; you can get quotes from several major insurer carriers at once. Once you find a match you like, you can buy a policy online, and it will go into effect in as little as 24 hours.

What to know about Small Business Insurance  

As a business owner, you likely need some kind of small business insurance. But what kind of coverage depends on the type of business you run, its size and its revenue. 

The most common small business insurance products include: 

  • Business owner’s policy (BOP): A BOP is a basic package of business insurance products combined into one policy. It combines essentials like property insurance, liability coverage and business interruption insurance. 
  • Commercial auto: If you make deliveries, transport clients or use vehicles for other business operations, you’ll likely need a commercial car insurance policy. 
  • Liability insurance: Liability insurance protects you against lawsuits resulting from bodily or personal injuries or property damage incurred by clients or vendors in dealing with your business.  
  • Property insurance: Property insurance is a must if you have valuable equipment, supplies or a physical business space; it protects you from losses that may occur due to storm damage, fires or theft. 
  • Workers compensation : If you have employees, you’ll likely need to get workers’ compensation coverage to protect your employees in cases of work-related injuries or illnesses. 
  • Errors and omissions (professional liability) insurance: Businesses that give advice, such as financial planners, or provide physical care need professional liability insurance. It covers your legal expenses and other fees if you’re sued due to negligence or a failure to provide services. 

Besides those basic coverage options, you can often customize your policy by adding additional coverages to your policy. Common add-ons include: 

  • Cyber liability: If you do most of your business online, handle sensitive information or store customer data like email dresses or payment information, you’ll need a cyber liability policy. These policies provide protection in cases of hacks or data breaches that compromise sensitive information. 
  • Business interruption insurance: If your business operations are interrupted and you lose revenue for a covered reason, such as building damage after a fire, business interruption coverage provides you with some compensation. 

How to choose a small business insurance company

To choose a small business insurer, consider the following factors: 

  • Company size: Some insurers specialize in policies for freelancers or solopreneurs, while others may offer policies to businesses with 20 to 100 employees. Your company size — and how much you expect it to grow — will affect which insurer is a good fit. 
  • Equipment and buildings: If your business operations involve a brick-and-mortar store or warehouse, equipment, vehicles and several employees, you’ll need a much more robust policy than someone operating a small, online business from their home office. Depending on your company’s operations, you may even need specialized coverage add-ons, such as cyber insurance or commercial auto coverage. 
  • Risks: Businesses vary in risk based on their industry and business model. For example, an academic tutoring business will likely have less of a liability risk than a roofing company. Think about what risks your company faces, such as what kind of equipment you work with, how often clients or customers will come onto your property and if you handle sensitive information. 
  • Cost: Small business insurance can vary significantly in cost between companies, so it’s a good idea to get quotes from several leading small business insurers to find the best deal. 

If you’re still unsure about which types of insurance products are right for you, take a look at our comprehensive guide to small business insurance .

Frequently asked questions

What does business insurance cover.

Business insurance coverages and exclusions vary by policy; a basic BOP covers the following: 

  • Property insurance for the business’ buildings and equipment
  • Business interruption insurance for the loss of earnings that may occur from fires, storm damage or other major disasters
  • General liability protection that covers your legal responsibility if another party is injured or experiences damages from your business

What is general liability insurance? 

General liability protects you from losses related to injuries, property damage or misleading advertising. If you have clients who visit your business premises — and therefore are at risk of becoming hurt in an accident on your property — general liability coverage is a necessity. 

How much does business insurance cost? 

The cost of coverage depends on a wide range of factors, including your company size, industry and location. In general, you should expect to pay anywhere from $500 to $5,000 per year for a basic business owners policy (BOP). 

Our methodology  

We reviewed 22 insurance providers and insurance comparison marketplaces to help you find the best small business insurer for your unique needs. To evaluate the companies and come down with our final list, we ranked the companies based on the following factors: 

  • Financial stability: We looked for companies with AM Best Financial Strength Ratings of A (Excellent) or better. 
  • Availability and eligibility: Preference was given to companies that issue policies in the majority of the U.S. states., and that insured companies with one to 100 employees. 
  • Product options: We looked for companies that offered at least 10 small business insurance products, including essentials like BOPs, commercial liability and business property coverage. 
  • J.D. Power ranking: Companies with scores above the study average were given extra weight. 
  • Online quote availability: Companies that allow customers to get small business insurance quotes were given additional consideration. 
  • Complaint index: We reviewed the complaint index, number of commercial liability complaints and types of complaints submitted about each company to the National Association of Insurance Commissioners (NAIC). 
  • Potential discounts: We looked for companies that offered at least one discount option for small business insurance customers. 

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EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

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Kamaz FTL hauler registers NatCar brand

health insurance for small trucking companies

MOSCOW. Sept 4 (Interfax) - National Carrier JSC, the full truckload freight trucking company headed by former Globaltruck CEO Ilya Sattarov that Russian truck maker Kamaz founded this summer, applied to register the brand NatCar at the end of August, the registry of federal intellectual property service Rospatent showed.

The NatCar brand is also mentioned in the recruitment ads of National Carrier, which is actively looking for E-class drivers. It is offering working with this year's model Kamaz diesel trucks from the flagship K5 line and new dry goods (curtainsider) and refrigerated trailers.

National Carrier was founded on July 7 in Moscow with charter capital of 1 billion rubles, the Unified State Register of Legal Entities showed. The company registered two branches in early August, in Yekaterinburg and Elektrostal, Moscow Region. The company specializes in truck logistics and associated activities, including digitization processes.

A spokesman for National Carrier told Interfax earlier that the company plans to provide FTL trucking services using its own fleet, "as well as the resources of hired truckers." The company's fleet will initially consist of 400 semi-trailer trucks with a 50/50 ratio of curtainside to refrigerated trailers, and it plans to primarily operate on domestic routes, he said.

The company has preliminary agreements with major customers among marketplaces and retailers in the FMCG and DIY segments, the spokesman said. Strong demand for trucking services is expected toward the end of the year, so there is interest from customers, he said.

Kamaz marketing director Ashot Arutyunyan announced at the International Moscow Automotive Forum at the end of August that the truck maker was the principal investor in National Carrier. He did not comment on the new company's shareholder structure, but said it is a Kamaz startup.

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News from non-English countries

health insurance for small trucking companies

"They fell to the ground with screams": Russian Guards fired at children single near Moscow - there is a casualty

2023-08-20T20:58:57.477Z

Highlights: In Russia, in the city of Elektrostal (Moscow region), during demonstrations, Rosgvardia soldiers began shooting at spectators with children from machine guns with blank cartridges. One child received serious damage from a rebounded cartridge case. In the video, a child can be heard crying and screaming violently. It is also interesting that Russia recently arranged a solemn farewell to Vladimir Shestakov, convicted for the murder of a child, who became a mercenary of PMC "Wagner" and was liquidated in the war in Ukraine.

health insurance for small trucking companies

In Russia, in the city of Elektrostal (Moscow region), during demonstrations, Rosgvardia soldiers began shooting at spectators with children from machine guns with blank cartridges.

So far, one injured child is known.

This was reported by the local Telegram channel of the Cheka-OGPU.

"Small children were clutching their heads screaming and falling to the ground. Not without injuries. The child received serious damage from a rebounded cartridge case," the report said.

One of the witnesses to the incident posted a video. It was her child who was shot by the Russian Guards. In the video, a child can be heard crying and screaming violently.

After the woman realized that her child had been wounded, she called her husband and doctor.

Meanwhile, Russian occupier Ivan Alekseev in the war in Ukraine after a drunken quarrel killed his colleague and tried to cover up the crime, saying it was the work of "Ukrainian saboteurs."

It is also interesting that Russia recently arranged a solemn farewell to Vladimir Shestakov, convicted for the murder of a child, who became a mercenary of PMC "Wagner" and was liquidated in the war in Ukraine.

  • The suspect in the murder of a military volunteer was released from custody
  • They will teach "patriotism": Russians in the occupied territories launch cadet classes
  • Russia has created another training ground near Mariupol: how many soldiers are in the city

Source: tsn

All news articles on 2023-08-20

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