First, truckers, tractors, and trailers, are insured as commercial equipment and not automatically afforded the coverage extensions of a personal auto policy.
Electronics, loading equipment, load securing equipment, rental reimbursement and personal property are insured differently and are not automatically covered.
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Commercial Auto Liability is pretty straight forward. If a trucker has ICC Authority, a filing for proof of financial responsibility will be given to the Feds. Filings are what keep a trucker compliant with federal (ICC) authority requirements.
Uninsured / Under-Insured Motorist is also helpful for a trucker that has been injured by a vehicle without insurance. Medical payments are useful when someone is injured in and on your truck.
There are 3 different forms or policies: Named Perils and Theft which is narrow in coverage, Broad Form which adds certain coverage to the basic form and All Risk coverage which offers coverage for all causes unless excluded by language in the policy.
Regardless of the form, there is certain coverage a trucker would need. Truckers should buy cargo coverage equal to the highest value of goods they haul. Every trucker should have earned freight coverage on his policy.
This coverage pays for lost revenue when he is not able to deliver his load due to a covered loss. Disposal and cleanup coverage for a loss should be at least $10, 000.