Tag: Trucking Business Tips

  • What to Look for in a Trucking Insurance Provider: A Comprehensive Checklist

    Finding the right insurance provider for your trucking business doesn’t have to be a snooze-fest! 💤 Trust us, it’s way more exciting than it sounds when you know what to look for. You need a provider that’s going to have your back on the road and keep your business running smoothly—especially when the unexpected happens.

    At Logrock, we’ve created this checklist to help you make the best choice for your trucking insurance needs!

    1. Coverage Options That Fit Your Needs

    Let’s face it—no two trucking businesses are the same! You need an insurance provider that offers a range of coverage options. Whether you’re hauling big loads or small, long distances or local routes, your insurance should reflect your unique business.

    Look for:

    • Liability Insurance
    • Cargo Insurance
    • Physical Damage Insurance
    • Non-Trucking Liability
    • Workers’ Compensation

    2. Affordable Premiums (Without Cutting Corners!)

    We know you’re trying to keep costs down. Who isn’t? But don’t be tempted by low premiums that could leave you high and dry when you need coverage the most. The right provider will strike the balance between affordability and quality coverage.

    Look for:

    • Discounts for good driving records 
    • Bundle options (hey, saving money is always a win!) 
    • Customizable plans that fit your budget 

    3. A Provider That Understands the Industry

    Truck insurance isn’t “one-size-fits-all.” A provider that specializes in trucking insurance will have a much better understanding of the risks and nuances of the industry. They’ll know the ins and outs of DOT regulations, and they’ll have your back when the going gets tough.

    Look for:

    • A provider with trucking experience
    • Industry-specific knowledge (they should be as passionate about trucks as you are!)
    • The ability to adapt to changing laws and regulations 

    4. Speed and Responsiveness That Keeps You Moving

    The trucking world doesn’t slow down—and neither should your insurance provider. Whether it’s getting a Certificate of Insurance (COI) turned around in under 30 minutes or responding quickly to an incident, speed is crucial. A delay in paperwork could be the difference between a carrier sitting idle or securing their next load.

    Look for:

    • Fast turnaround on COIs and other critical documents
    • Quick claims response and resolution
    • A provider who understands that time is money in trucking 

    5. Transparency—No Hidden Surprises!

    The last thing you want is to be caught off guard by hidden fees or surprise exclusions when it’s too late. Make sure your insurance provider is 100% transparent about what’s covered and what isn’t.

    Look for:

    • Clear, simple contracts
    • No sneaky fine print 
    • A provider that explains everything upfront

    6. Easy-to-Use Technology for Tracking and Managing Your Policy

    We’re in the digital age, and managing your trucking insurance should be as easy as checking your phone. Look for a provider with a user-friendly app or website where you can access your policy, file claims, and even get in touch with a representative.

    Look for:

    • An app or online portal to manage your policy
    • The ability to file claims quickly and easily
    • Digital proof of insurance for when you’re on the go 

    7. Reputation, Reputation, Reputation!

    You wouldn’t trust just anyone to insure your trucking business, right? Take a look at the provider’s reviews, ask other truckers, and check out their ratings. A solid reputation means they’ll be there for you when it matters most.

    Look for:

    • Positive reviews from other truckers 
    • High ratings with the Better Business Bureau (BBB) 
    • Word-of-mouth recommendations from people you trust

    Wait, That’s Not All!

    We’re more than just insurance! We’ve got a bunch of awesome partners to make sure you’re totally covered. Besides great trucking insurance, we’ve teamed up with a network of reliable folks in the industry. This means you get the support you need beyond just insurance. Think DOT compliance, factoring, legal help, financial advice, and more – all tailored for truckers. We know your business has a lot of moving parts, and we want to connect you with the best resources to keep things running smoothly from every angle. We’re not just about insuring your stuff; we want to be your go-to for all things trucking support!

    You’ve Got This!

    Choosing the right insurance provider for your trucking business is one of the most important decisions you’ll make. With the right coverage, support, and transparency, you can focus on what matters—getting your goods to their destination safely and efficiently. 

    At Logrock, we’re here to help guide you through the process with the expertise and coverage you need to keep your wheels turning. Whether you’re looking for liability, cargo, or any other type of trucking insurance, we’ve got your back!

    Ready to get started? Contact us today and let’s find the perfect insurance solution for your trucking business!

    Want To See How You Can Save More On Insurance? Learn More Here: Affordable Trucking Insurance: How to Save Big on Coverage

  • How to Start Your Trucking Company in 2025—Fast, Easy, and Compliant

    Thinking about launching your own trucking company in 2025? Whether you’re planning to hit the road with a box truck, cargo van, hotshot rig, or a full-sized semi, you’re probably asking: Where do I even begin?

    You’re not alone—and that’s exactly what this new video from EntreMike at Logrock is here to answer. If you’re ready to stop dreaming and start driving, this is the must-watch guide for getting your business off the ground.

    From Zero to Road-Ready: Everything You Need to Know

    The video walks you step by step through launching your own carrier business the smart way—no guesswork required. Here’s what’s covered:

    • Choosing your vehicle type (box truck, hotshot, semi, cargo van)
    • Setting up your authority
    • Navigating DOT and FMCSA compliance
    • Securing insurance
    • Getting paid faster

    Whether you’re solo or building a small fleet, this breakdown is designed to simplify the process and get you earning quickly.

    CarrierForge: Your Co-Pilot for Success

    Starting a trucking company can be overwhelming—but CarrierForge is here to make it easy. As featured in the video, CarrierForge helps new carriers:

    • Complete paperwork and licensing
    • Set up operating authority
    • Handle insurance requirements
    • Stay compliant with state and federal regulations

    Think of them as your back office, compliance team, and business coach all in one—without the huge overhead. For new carriers, that kind of affordable, reliable support is a game-changer.

    Cut Through the Red Tape. Start Getting Paid.

    The bottom line? With the right guidance and tools, launching a profitable trucking business in 2025 is more accessible than ever. EntreMike’s latest video doesn’t just explain how to do it—it shows you how to do it right.

    So if you’re serious about hitting the road and building something of your own, don’t miss this video. Your trucking future starts here.

    👉 Watch the video now and let CarrierForge help you shift gears toward success.

    Paying more for less? Let Logrock help you unlock cheaper insurance rates today!

  • Renewals: A Comprehensive Guide – Why Logrock Truckers Stay Ahead

    At Logrock, we know that when it comes to trucking, time is money—and paperwork is a pain. That’s why we’ve made renewals simple, smart, and stress-free. Whether you’re renewing your DOT compliance, insurance, or fleet documents, staying current means staying on the road. And nobody handles it better than Logrock.

    What Are Renewals?

    Renewals are your yearly or periodic check-ins to keep your business legal and running. Think:

    • DOT registration updates
    • UCR renewals
    • Insurance filings
    • Driver qualification files

    Miss one? You risk fines—or worse, downtime.

    Why Renew with Logrock?

    We Keep You On Track
    Our platform sends you real-time alerts before anything expires. No more guesswork, no more last-minute scrambles.

    Easy to Use
    Our dashboard is built for truckers, not techies. One login. One view. Everything in order.

    Expert Support
    Got a question? Our compliance experts are here to help you hit every deadline and dodge every fine.

    Saves You Money
    Fines for late renewals can run into the thousands. Renewing on time with Logrock? That’s money in your pocket.

    One Renewal at a Time, One Less Thing to Worry About

    Your focus should be on the road, not the red tape. That’s why more and more truckers choose to renew with Logrock —the only platform built to keep your wheels turning and your business compliant.

    Still not signed up? Let’s change that. Contact us today!

  • The Independent Trucker’s Roadmap‬

    From Authority to Hauling and Thriving‬.

    Welcome to‬‭ The Independent Trucker’s Roadmap‬‭ – a simple,‬‭ no-fluff guide designed to help‬

    ‭ you go from a dream of owning your trucking business to running a profitable, compliant, and‬

    ‭ long-lasting operation.‬

    ‭ Whether you’re a seasoned CDL driver transitioning into independence or just getting started in‬

    ‭ the industry, this guide will walk you through:‬

    ● Applying for your motor carrier authority‬.

    ● Securing insurance and staying compliant‬.

    ● Finding freight and negotiating loads‬.

    ● Managing maintenance, cash flow, and growing smart‬.

    ‭This guide was written to help owner-operators launch and succeed. You’ll gain clear steps and‬

    ‭ tools that save you thousands in mistakes and missed opportunities.‬

    ‭ Let’s get rolling. 🛻💨‬

    ‭ Step 1: Getting Your Authority‬

    ‭ Becoming an independent carrier starts with‬applying‬‭ for your own authority‬‭ from the Federal‬ Motor Carrier Safety Administration (FMCSA). This gives you the legal ability to haul freight as a‬ for-hire motor carrier.‬

    ‭ What You’ll Need:‬

    ‭ 1.‬‭ USDOT Number‬

    ‬‭ Register online at https://www.fmcsa.dot.gov/registration‬

    ○ Used to track safety, inspections, and compliance.‬

    ‭ 2.‬‭ MC Number (Operating Authority)‬

    ○ Also filed through FMCSA.‬

    ○ Cost: $300 (as of now)‬

    ‭ 3.‬‭ BOC-3 Filing‬‭ (Process Agent)‬

    ○ Required to designate legal agents in each state.‬

    ○ Often handled by third-party companies for $20–$50.‬

    ‭ 4.‬‭ UCR Registration‬‭ (Unified Carrier Registration)‬

    ○ Required if you cross state lines.‬

    ‭ 5.‬‭ Drug & Alcohol Testing Consortium‬

    ○ Required for CDL drivers.‬

    ○ You must enroll before operating.‬

    ‭ 6.‬‭ Heavy Vehicle Use Tax (Form 2290)‬

    ○ Filed with the IRS if your truck weighs 55,000 lbs or more.‬

    ‭⚠ Pro Tips:‬

    ● Don’t fall for online scams charging hundreds to “help” you register. You can do it‬

    ‭ yourself or work with a trusted professional.‬

    ● Keep all FMCSA login credentials and numbers in a secure place.‬

    ●‬‭ Consider forming an‬‭ LLC‬‭ before applying for your authority‬‭ to protect yourself legally.‬

    Step 2: Insurance & Compliance‬‭ You can’t get your MC number activated without proof of insurance. This is where a reliable‬ insurance agent (like you) becomes crucial.‬

    Required Insurance Types:‬

    Primary Auto Liability:‬‭ $750,000 minimum (most brokers‬‭ require $1 million)‬.

    Cargo Insurance:‬‭ Protects the freight you’re hauling‬‭ (usually $100K minimum)‬.

    Physical Damage:‬‭ Covers your truck and trailer‬.

    ‭ Bobtail/Non-Trucking Liability:‬‭ When driving without‬‭ a trailer for personal use‬.

    ●‬‭ General Liability (Optional but recommended)‬.

    Other Compliance Requirements:‬

    ●‬‭ IFTA (International Fuel Tax Agreement)‬.

    ●‬‭ IRP (International Registration Plan)‬‭ for apportioning‬‭ license plates‬.

    ●ELD (Electronic Logging Device)‬‭ for HOS tracking‬.

    ●‬ Driver Qualification File & Drug Program‬.

    ● DOT Number Stickers and Truck Markings‬.

    ‭⚠ Pro Tips:‬

    ●Your safety record and driving history will impact your insurance cost.‬

    ● Make sure your equipment is up to DOT standards before inspection.‬

    ● Stay compliant with‬‭ MCS-150 updates‬‭ ,‬‭ biennial filing‬‭ ,‬‭ and‬‭ random drug testing‬

    ‭ pools‬‭.‬

    ‭ Step 3: Setting Up Your Trucking Business‬

    ‭ You’re now legal — but are you ready to operate as a business?‬‭ 

    🏢 Legal and Financial Setup:‬

    ● Form an‬‭ LLC‬‭ or‬‭ S-Corp‬‭ through your state’s Secretary‬‭ of State website.‬

    ●Apply for an‬‭ EIN‬‭ (free at IRS.gov)‬

    ● Open a‬‭ business bank account‬.

    Sign up for‬‭ bookkeeping software‬‭ like:‬

    ● QuickBooks Self-Employed‬

    ● TruckLogics‬

    ● Rigbooks‬

     📂 Must-Have Documents:‬

    ● Rate confirmations‬

    ●‬‭ Invoices‬

    ● Fuel receipts and maintenance logs‬

    ● Insurance certificates‬

    ‭  Pro Tips:‬

    ● Separate personal and business expenses to avoid tax issues.‬

    ●‬‭ Track every mile, load, and dollar from the start.‬

    Step 4: Getting Your First Load‬

    ‭ Now it’s time to get paid. Here’s how to land that first haul:‬

    ‭ Where to Find Loads:‬

    ‭ Load Boards:‬‭ DAT, Truckstop, 123Loadboard‬

    ●‬‭ Freight Brokers:‬‭ Build relationships early‬

    ●‬‭ Factoring Companies:‬‭ Provide fast pay (for a fee)‬

    Dispatch Services:‬‭ Optional, but helpful when starting‬

    ●‬‭ Direct Shippers:‬‭ Ideal long-term for better rates‬

    ‭ Understanding Rate Confirmations:‬

    ● Pick-up/drop-off location and times‬

    ●‬‭ Rate per mile / flat rate‬

    ●‬‭ Accessorials (detention, layover, fuel surcharge)‬

    ● Payment terms‬

    ‭  Pro Tips:‬

    ● Don’t haul cheap freight unless you know your‬‭ cost‬‭ per mile‬.

    ● Get everything in writing before you haul‬.

    ● Verify brokers on SaferWatch, FMCSA, or Truckstop broker checks‬.

    Step 5: Keeping the Wheels Turning‬

    ‭ Staying on the road means being smart about your operations.‬

    ‭ Daily Operations:‬

    ● Plan routes to avoid traffic, tolls, and time losses‬.

    ● Use tools like‬TruckerPath‬‭ and‬‭ Samsara‬.

    ● Use fuel cards (e.g. NASTC, RTS) to save at the pump‬

    ‭ Manage Your Time & Logs:‬

    ● Comply with‬‭ Hours of Service (HOS)‬

    ● Use an ELD that works with your phone/tablet‬.

    ● Keep clean logs to avoid costly violations‬.

      Pro Tips:‬

    ● Track deadhead and unpaid miles‬

    ●‬‭ Deliver on time to build a strong broker reputation‬

    Step 6: Maintenance and Truck Health‬

    ‭ Your truck is your business — treat it like your biggest investment.‬

    ‭  Maintenance Tips:‬

    ● Follow a‬‭ preventive maintenance schedule‬.

    ● Keep oil, brake, tire, and fluid inspections regular‬.

    ● Log all maintenance in a spreadsheet or app‬.

    Helpful Tools:‬

    ● Diesel Laptops or OTR Diagnostics for code reading‬.

    ● Tire Pressure Monitoring Systems‬.

    ● Mobile mechanics for emergencies‬.

    ‭  Pro Tips:‬

    ● Breakdown? Always document, communicate with brokers, and save receipts‬

    ●‬‭ Use‬maintenance reserves‬‭ : $0.10–$0.20 per mile‬

    ‭ Step 7: Staying Profitable‬

    ‭ Profit is the name of the game. These basics help you stay in the black.‬

    ‭ Know Your Numbers:‬

    Fixed Costs:‬‭ Truck note, insurance, permits‬

    ●‬‭ Variable Costs:‬‭ Fuel, maintenance, tolls‬

    ● Calculate‬‭ cost per mile‬‭ and use that to price loads‬

    Ways to Boost Profit:‬

    ● Haul more profitable lanes‬.

    ● Increase fuel efficiency (slow down, reduce idle time)‬.

    ● Reduce downtime‬.

    ● Improve broker relationships for better freight‬.

    ‭  Pro Tips:‬

    ● Don’t chase miles — chase‬‭ profit per mile‬.

    ● Run lean and avoid unnecessary purchases early on‬.

    Step 8: Common Mistakes and How to Avoid Them‬

    ● Jumping in without knowing expenses‬.‭

    ● Hauling cheap freight without knowing your break-even point‬.

    ● Ignoring FMCSA compliance‬.

    ● Failing to save for taxes and repairs‬.

    ● Not reading the fine print on contracts‬.

    ‭ Helpful Resources & Tools‬

    ‭ Websites:‬

    ●‬‭ FMCSA.gov‬

    ● DAT.com‬

    ‭ Apps & Tools:‬

    ‭ TruckerPath‬

    – navigation and parking‬

    ●‬‭ Fuelbook‬

    – find cheapest fuel‬

    ‭ KeepTruckin / Motive‬

    – ELD & dash cam‬

    TruckLogics‬

    – business management‬

    ‭ Communities:‬

    ● TruckersReport Forum‬

    ● Facebook Groups: “New Authority Truckers”, “Owner Operator Advice”

    ‭ Final Thoughts‬‭:

    Starting your own trucking business is a bold move — and one that comes with challenges, but‬ also massive rewards.‬

    Stay focused, stay legal, and stay profitable. Use this guide as a foundation, keep learning, and‬ build something that lasts.‬

    ‭ Wishing you safe travels and big checks!‬

    Get signed up with Logrock today in minutes!

  • Loss Prevention Strategy for Trucking Insurance Clients‬

    A comprehensive loss prevention strategy helps reduce risk, lower insurance claims, and‬ improve overall safety and efficiency. The following key components should be implemented as‬ part of your program:‬

    ‭ 1. Regular Maintenance and Inspections‬

    ‭Conduct routine maintenance and thorough inspections to ensure vehicles remain in peak‭ operating condition. Focus on the following critical areas:‬

    Brakes and Tires:‬‭ Regularly inspect and maintain to‬‭ ensure optimal stopping power and‬ traction.‬

    Engine and Transmission:‬‭ Perform scheduled checks‬‭ to detect issues early and avoid‬ costly mechanical failures.‬

    ‭Lighting and Signals:‬‭ Verify all lights, indicators,‬‭ and signals are fully operational to‬ maintain visibility and ensure safe communication with other drivers.‬

    ‭ 2. Driver Training and Safety Programs‬

    ‭ Invest in robust driver training programs to enhance safety awareness and reduce preventable‬ accidents. Key training topics should include:‬

    ‭Defensive Driving:‬‭ Teach drivers how to recognize‬‭ and respond to potential road‬ hazards.‬

    Proper Loading and Unloading:‬‭ Instruct on safe cargo‬‭ handling procedures to prevent‬ injuries and cargo damage.‬

    ‭Emergency Response Protocols:‬‭ Train drivers to effectively‬‭ manage breakdowns,‬ collisions, and severe weather conditions.‬

    ‭3. Use of Telematics and Safety Technology‬‭ Implement advanced technologies to monitor performance and improve operational safety:

    ‭Telematics Systems:‬‭ Track driver behavior, vehicle‬‭ health, and route efficiency in real‬ time.‬

    ‭Dash Cameras:‬‭ Provide visual evidence in the event‬‭ of accidents and encourage‬ responsible driving behavior.‬

    ‭Collision Avoidance Systems:‬‭ Equip vehicles with safety‬‭ features like lane departure‬ warnings, blind spot monitoring, and automatic emergency braking.‬

    4. Safety Policies and Procedures‬

    Establish and enforce clear safety protocols to promote a culture of accountability:‬

    ‭Accident Reporting and Investigation:‬‭ Develop a standardized‬‭ process for‬‭ documenting and analyzing accidents to prevent repeat incidents.‬

    ‭Safety Audits and Inspections:‬‭ Conduct periodic reviews‬‭ to identify and address‬ potential risks before they lead to claims.‬

    ‭Health and Wellness Programs:‬‭ Encourage driver well-being‬‭ with initiatives focused on‬ nutrition, physical activity, sleep hygiene, and mental health support.‬

    Ready to rock with Logrock? Get started today!

  • What to Do When Your Trucking Insurance Claim Is Denied

    Having your trucking insurance claim denied can be frustrating, but it doesn’t have to be the end of the road. At Logrock, we understand how critical it is for trucking businesses to navigate the insurance process smoothly. If you’ve had a claim denied, here’s what you can do to dispute the decision and protect your business:

    1. Understand the Reason for Denial

    Carefully review the denial letter to understand why your claim was rejected. Knowing the reason helps you determine if there was an error or misunderstanding.

    2. Review Your Policy

    Check your insurance policy to ensure your coverage applies to the situation. Sometimes, claims are denied due to misunderstandings about what’s covered. Logrock recommends you regularly review your policy to ensure it fits your business needs.

    3. Gather Supporting Evidence

    If you believe the denial was incorrect, collect additional evidence to support your case, such as:

    ✅ Photos of the incident or damage  

    ✅ Witness statements  

    ✅ Repair estimates  

    4. Contact Your Insurance Adjuster

    Reach out to your adjuster to discuss the denial. They might be able to resolve the issue or clarify the misunderstanding. Logrock suggests being proactive in these discussions to ensure a fair review.

    5. Appeal the Denial

    If the claim is still denied, most insurers offer an appeal process. Be prepared to present your evidence and make a strong case. Logrock can help guide you through the process if you need additional assistance.

    A denied insurance claim isn’t the end. With the right steps, you can often resolve the issue and get back on track. At Logrock, we’re here to help ensure you have the right coverage and guide you through the claims process. Make sure you understand your policy, gather evidence, and take advantage of the appeal process to protect your trucking business.

    Let Logrock save you money in minutes. Get a quote now!

  • New Truck vs. Used Truck: How Your Rig Choice Affects Insurance Costs

    Choosing between a brand-new truck and a reliable used rig isn’t just about upfront costs — it can also impact how much you pay for insurance. At Logrock, we help truckers navigate the ins and outs of insurance coverage, so you can make the best decision for your business. Let’s break down how your truck choice affects your premiums and what to consider before you buy.  

    Why Your Truck Choice Matters for Insurance  

    Insurance providers look at several factors when pricing your policy, and the truck itself plays a huge role. They assess things like:  

    ✅ Vehicle Value  

    ✅ Age and Mileage 

    ✅ Safety Features and Technology  

    ✅ Likelihood of Breakdowns or Costly Repairs

    Whether you go new or used, each option has pros and cons. Let’s compare!  

    The Case for Buying New  

    A brand-new truck comes with cutting-edge safety tech and fewer immediate repair needs, which can work in your favor for insurance. But that higher sticker price can also drive up your insurance premiums.  

    Insurance Benefits: 

    ✅ Advanced Safety Features: Collision avoidance, lane assist, and dash cams can qualify you for discounts.  

    ✅ Lower Risk of Breakdowns: Newer trucks are less likely to need expensive repairs, reducing the chance of claims.  

    ✅ Warranty Coverage: Manufacturer warranties can ease repair costs, which insurers may consider when pricing policies.  

    Insurance Drawbacks:  

    ✅ Higher Replacement Costs: Since the truck is worth more, insurance payouts (and your premiums) will be higher.  

    ✅ Comprehensive & Collision Coverage Costs: You’ll likely want full coverage to protect your investment, which adds to your insurance bill.  

    The Case for Buying Used  

    A well-maintained used truck can save you money upfront and lower your insurance premiums — but it may come with hidden risks insurers will factor into your rates.  

    Insurance Benefits:  

    ✅ Lower Vehicle Value: Since the truck costs less, your collision and comprehensive coverage will also be cheaper.  

    ✅ Proven Performance: A truck with a clean maintenance history can still be a safe, reliable choice at a lower cost.  

    Insurance Drawbacks: 

    ✅ Higher Breakdown Risk: Older trucks are more prone to mechanical failures, which could lead to more claims.  

    ✅ Outdated Safety Tech: If your truck lacks modern safety features, you might miss out on valuable discounts.  

    Which Option Is Right for You?  

    The best choice depends on your business goals, budget, and risk tolerance. If you can afford higher premiums and want the peace of mind that comes with a new, tech-packed truck, that might be your best bet. But if saving on upfront costs and insurance is your priority, a well-maintained used truck could be the smarter move.  

    Logrock Helps You Find the Right Coverage Either Way  

    Whether you go new or used, Logrock can help you build a policy that fits your rig and your budget. We specialize in trucking insurance – we’ll guide you through coverage options and hunt down every possible discount.  

    Get a Personalized Truck Insurance Quote Today and contact Logrock!

    Keep your business rolling no matter what you drive!  

  • Top 5 Mistakes Truckers Make That Increase Insurance Costs — And How to Avoid Them 

    Running a trucking business is all about balancing costs, and insurance can be one of your biggest expenses. The good news? Many truckers have the opportunity to save big just by avoiding a few common mistakes! At Logrock, we help carriers and owner-operators stay protected — without breaking the bank. Let’s break down five common mistakes that can drive up your premiums and how to steer clear of them.

    1. Neglecting Regular Maintenance

    Skipping routine maintenance can lead to unexpected breakdowns, failed inspections, and accidents — all of which raise your insurance rates. Even small issues can snowball into costly claims if left unchecked.

    🔧 Fix it: Create a preventative maintenance schedule and stick to it. Catching problems early not only keeps your trucks safe but also reduces the risk of insurance increases.

    2. Ignoring CSA Scores

    Your Compliance, Safety, Accountability (CSA) score is a key factor insurers look at when setting your premiums. High scores from frequent violations or failed inspections signal higher risk, leading to higher insurance costs.

    📊 Fix it: Prioritize driver training, keep thorough inspection records, and aim for clean roadside inspections. The lower your score, the better your insurance rates.

    3. Hiring High-Risk Drivers

    Bringing on drivers with a history of accidents, violations, or DUIs can drastically inflate your premiums. Even one high-risk driver on your roster can make your entire fleet more expensive to insure.

    👀 Fix it: Screen drivers carefully with background checks and MVR reports. Invest in ongoing safety training to help your team keep their records spotless.

    4. Carrying the Wrong Insurance Coverage

    Paying for unnecessary insurance coverage — or worse, not enough coverage — can hurt your bottom line. Being underinsured might save you a few bucks on premiums, but one major accident could cripple your business.

    🛡️ Fix it: Work with a trucking insurance expert (like Logrock!) to review your policy annually. We’ll make sure you’re properly covered without paying for anything you don’t need.

    5. Not Shopping Around for Better Rates

    Loyalty is great, but sticking with the same insurer year after year without checking for better options might mean you’re missing out on savings. Rates increase over time, and new discounts become available.

    💡 Fix it: Get quotes from multiple providers before your renewal date. At Logrock, we help truckers compare options and find the best coverage for the best price across multiple providers — no guesswork, no hassle.

    Ready to save? Check out How To Save Big On Coverage: Your Cheat Sheet From LogRock

    Insurance doesn’t have to drain your profits. By avoiding these common mistakes and working with a team that understands the trucking industry inside and out, you can keep your coverage strong and your costs low.

    Let Logrock help you find affordable, reliable coverage tailored to your business.

  • Trucking Insurance 101: What Coverage Do You Really Need?

    When you’re hauling freight across state lines, you’re doing more than driving — you’re running a business. And just like any business, protection matters. That’s where the right truck insurance comes in.

    Whether you’re an owner-operator, lease-on driver, or a small fleet manager, understanding the different types of trucking insurance is key to staying legal, safe, and financially protected.

    At Logrock, we specialize in helping drivers and carriers find affordable, compliance-ready insurance coverage tailored to how they work. Here’s your guide to the most essential types of commercial truck insurance — explained in a quick, FAQ-style breakdown.

    ❓ What Is Primary Liability Insurance?

    Primary Liability Insurance is required by federal law for all motor carriers. It covers damage or injuries you cause to other people or property while driving your truck.

    It does not cover your own vehicle or cargo but keeps you compliant with FMCSA regulations.

    ❓ What Is Physical Damage Coverage?

    Physical Damage Coverage protects your truck and trailer from damage caused by accidents, theft, vandalism, or natural disasters.

    This is essential if you want to repair or replace your equipment after a covered event.

    ❓ What Is Motor Truck Cargo Insurance?

    Motor Truck Cargo Insurance covers the freight you’re hauling. If it’s damaged, lost, or stolen during transport, this insurance helps cover the cost.

    Shippers and brokers often require this policy, especially for high-value or sensitive loads.

    ❓ What Is Bobtail Insurance?

    Bobtail Insurance provides liability coverage when you’re driving without a trailer—either between loads or after a drop-off.

    It’s a must-have for drivers operating under another carrier’s authority.

    ❓ What Is Non-Trucking Liability (NTL) Insurance?

    NTL Insurance covers your truck when you’re using it for non-business purposes, like personal errands or off-duty driving.

    It’s often confused with bobtail insurance, but NTL kicks in only during personal use.

    ❓ What Is General Liability Insurance?

    General Liability Insurance protects your business from non-driving risks—like injuries at a delivery site, damage at a loading dock, or legal claims unrelated to an accident.

    This is crucial coverage for fleets and owner-operators working in complex or high-volume operations.

    ❓ What Is Workers’ Compensation Insurance?

    Workers’ Compensation Insurance covers medical bills, lost wages, and rehab costs if an employee gets hurt on the job.

    Required in most states if you have drivers or staff on payroll.

    Need Help Choosing the Right Coverage?

    Every trucking business is different. Whether you haul regionally or coast-to-coast, run one truck or a dozen, your policy should fit how you operate. At Logrock, we help truckers build smart, affordable insurance plans that check every compliance box—and keep your business protected mile after mile.

    🔒 Ready to review your policy or get a fast quote?
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