Coverage That Moves When You Do
Trucking Insurance for Owner-Operators & Fleets
We’ll help you build a policy that covers your trucks, cargo, and obligations—so you stay compliant and protected from pickup to delivery.
Standard policies typically include:
- Primary liability and physical damage coverage
- Cargo insurance for transported goods
- Non-trucking liability for off-duty protection
- General liability for terminal operations or warehouse exposure
- Trailer interchange coverage for borrowed units
What You Can Expect from W.J. Farmer
Policies That Keep Your Truck—and Business—Rolling
We know the rules, filings, and risks involved in commercial trucking. You’ll get quick turnaround, clear answers, and coverage that meets industry standards.
You’ll get:
- Help meeting NY and FMCSA insurance requirements
- Coverage options for leased, owned, or operator equipment
- Same-day proof of insurance and filings (e.g. MCS-90, BMC-91)
- Local support when filing claims or updating policies
- Flexible policy options based on route, radius & freight class
As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.
Don’t Forget the Extras That Keep You Covered
Add-On Coverage for Truckers & Carriers
Beyond the basic liability requirements, there are real-world gaps worth closing. These add-ons are common for NY trucking operations.