Auto Services & Transportation

Specialized Coverage for Auto Services Companies & Tow Truck Operators.

Auto services companies and tow truck operators face unique risks and challenges in their daily operations. SterlingRisk’s insurance solutions are designed to address these specific needs, ensuring your business is protected from unexpected events and liabilities, including:..

  • Garage Liability Insurance: Protects against claims of property damage or bodily injury that occur in the garage or service area.
  • Garagekeepers Insurance: Provides coverage for customers’ vehicles while they are in the care, custody, and control of the auto service company.
  • Commercial Auto Insurance: Covers the vehicles used in the business, including tow trucks and service vehicles.
  • On-Hook Towing Insurance: Covers damage to vehicles while they are being towed.
  • Cargo Insurance: Protects against loss or damage to cargo being transported by tow truck operators.
  • Pollution Liability Insurance: Covers environmental cleanup costs and liability arising from accidental spills or releases of pollutants.

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Protecting Your Business on the Road and Across the Globe.

The trucking and shipping industry is a vital part of the U.S. economy, ensuring that essential products reach every corner of the country. Whether you operate a fleet or are a private carrier hauling goods for your company, securing the right insurance is crucial. SterlingRisk offers industry-leading trucking insurance solutions designed to protect your business, your vehicles, and your cargo.

At SterlingRisk, our comprehensive approach provides comprehensive coverage for private carriers and trucking companies nationwide, offering:

  • Primary Liability: Required for all truckers/trucking companies operating under their own authority. Covers bodily injury and property damage caused by your truck. Provided by motor carriers for leased operators in most cases.
  • Cargo Insurance: Covers loss or damage to the property (the load) your truck is transporting. Typically provided by the motor carrier for leased operators.
  • Physical Damage: Pays for repair or replacement of your truck in the event of a covered loss—such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism.
  • Occupational Accident: A cost-effective alternative to workers compensation for owner-operators. Covers medical expenses, disability, and accidental death for truckers who are not covered by state-mandated workers compensation.

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Industry Challenges

Trucking companies must navigate a complex web of federal and state regulations, including FMCSA requirements, minimum insurance limits, and driver qualification standards. Failure to comply can result in fines and loss of operating authority, making compliance a top priority.

Cargo theft, damage, and loss remain significant risks, especially for high-value shipments. These exposures require robust cargo insurance and proactive risk mitigation strategies to protect both the cargo and the company’s reputation.

Many owner-operators opt out of state-mandated workers’ compensation and rely on occupational accident policies. While these policies are a cost-effective alternative, they may not provide the same level of protection, which can complicate claims and regulatory compliance.

The adoption of new technologies such as telematics and autonomous vehicles, as well as growing cyber and environmental exposures, are creating new risks. These evolving challenges require specialized insurance solutions and proactive risk management strategies.

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Auto Services & Transportation Forms
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Transportation / Auto Servicing Forms

Industry Specialists

Marc Zettl

President, Transportation

Marc is the President of Transportation at SterlingRisk where he leads national strategy and risk solutions for transportation clients. Marc brings extensive experience working with medium-to-large commercial fleets across the transportation industry, including trucking operations, bus companies, towing services, and highly specialized fleet risks.

P | 914-539-7558

E | MZettl@sterlingrisk.com

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