Commercial Truck Insurance in North Carolina

Commercial Truck Insurance in North Carolina

Rich Insurance Services delivers North Carolina trucking insurance for carriers on I-85, I-40, and I-95—serving Charlotte, Raleigh/Durham, Greensboro/Winston-Salem, Fayetteville, Wilmington, and Asheville. We help 1–9 unit fleets secure competitive quotes, navigate port and warehouse wording, and keep certificates moving so pickups aren’t delayed at the gate.

Complete Coverage for NC Motor Carriers

Truck next to a tree; truck has a rectangular cargo area, tree has a rounded canopy.

Auto Liability

Align limits with broker and warehouse requirements across the Triangle and Triad; keep commercial auto liability in step with contracts.

Black and white wrench icon.

Physical Damage

Structure comp/collision deductibles for mountain weather on I-26 and coastal storms near Brunswick County; streamline repairs with clear valuation.

Wrench icon.

Motor Truck Cargo

General freight and reefer operations need accurate limits and optional spoilage endorsements; motor truck cargo should reflect real load values.

Shield icon with a V-shape inside.

Bobtail/NTL & HNOA

Cover off-dispatch trips and short-term rentals for parts runs or extra capacity.

Shield icon with a V shape.

Workers’ Comp & Occ/Acc

Employees rely on workers’ compensation; contractors can carry Occ/Acc tailored to their routes.

NC Realities: Costs, COIs & Contracts

Typical ranges for one-unit operations vary by radius, MVRs, and claims; we shop multiple carriers to balance protection and price. Same-day COIs keep freight moving at Charlotte terminals and the Port of Wilmington, and we handle state/federal filings for intrastate or interstate authority so onboarding stays on track.

Black location marker with a "C" inside.

Service Areas from Mountains to Coast

Charlotte Metro, the Triangle (Raleigh, Durham, Cary), the Triad (Greensboro, Winston-Salem, High Point), Fayetteville, Wilmington/Brunswick County, Asheville/Hendersonville—and statewide corridors on I-85, I-40, I-95, and I-26.

FAQs

North Carolina Truck Insurance

  • What limits do brokers require in NC?

    Many contracts request $1M auto liability and $100K cargo; some ask for umbrellas or additional insured wording.

  • Does bobtail cover me off dispatch?

    Yes—NTL addresses certain non-business driving; for business use under dispatch, primary liability applies.

  • Can I get help as a new authority in NC?

    Absolutely—we handle filings, certificates, and quotes so your first loads aren’t delayed.

A delivery truck with a clock, indicating quick service.

Request a North Carolina Quote

From Charlotte warehouses to coastal ports, Rich Insurance Services delivers responsive support, competitive options, and 24/7 certificate access.

Start NC Quote