Outline of a delivery truck.
Trucking Insurance in Northern Colorado

Protection for Your Fleet and Your Future

Whether you’re an independent owner-operator or managing a fleet, trucking insurance in Northern Colorado keeps your business moving. From liability to cargo protection, Chris Young Agency helps truckers across Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona secure policies designed for the road ahead.

What Trucking Insurance Covers

A black check mark on a white background.

Primary Liability

Required by law, this coverage protects against bodily injury or property damage you may cause while operating your truck.

A black check mark on a white background.

Physical Damage Coverage

Covers repair or replacement costs if your truck is damaged by collision, theft, vandalism, or weather events.

A black check mark on a white background.

Cargo Insurance

Protects the goods you haul in case of damage, theft, or loss during transport.

A black check mark on a white background.

Non-Trucking Liability (Bobtail Insurance)

Provides coverage when you’re driving your truck for personal use, outside of business operations.

A black check mark on a white background.

General Liability for Trucking

Covers claims from accidents that happen during business operations but not directly involving your truck — such as loading dock incidents.

A black check mark on a white background.

Motor Truck Equipment & Trailer Coverage

Covers trailers, reefers, and other specialized trucking equipment essential for your operations.

Benefits of Trucking Insurance

The road is unpredictable — accidents, theft, and breakdowns can put your business at risk. Trucking insurance provides financial security, helps you meet DOT and contractual requirements, and protects both your livelihood and reputation. At Chris Covers Your Assets, we make sure you understand your coverage so you’re never caught off guard when it matters most.

Frequently Asked Questions

  • Is trucking insurance required by law?

    Yes. Federal and state regulations require truckers to carry minimum liability coverage. The amount depends on what you haul and where you operate.

  • Does my personal auto policy cover trucking?

    No. Personal auto insurance won’t cover commercial trucking operations. You need a separate trucking policy designed for business use.

  • What affects the cost of trucking insurance?

    Rates depend on factors like the type of cargo, driving history, distance traveled, and number of trucks insured. Chris will help you find competitive options.

  • Can I bundle trucking insurance with other policies?

    Yes. Many trucking businesses also need general liability, workers’ comp, and umbrella coverage. Bundling can save money and simplify your insurance program.

Why Choose Chris Covers Your Assets

With nearly three decades of experience, Chris understands the unique risks truckers face. From single rigs to multi-state fleets, his education-first approach ensures you know exactly how your coverage works and that your business is protected mile after mile.

A sandy path leading to the ocean on a sunny day.