- Office Hours: Mon-Fri 9:00 am-6:00 pm
- Email: diego@mctruckinsurance.com
- Address: 204 E 900 S #101 Salt Lake City, UT 84111
Because we work for you — not the carriers.
We take the time to understand your operation: your routes, your equipment, your drivers, and your risks. Then we partner with the most competitive insurance companies in the market to find the right combination of protection and price.
We understand that keeping insurance costs in check helps you expand your operations — and when you grow, we grow alongside you. We truly believe in this partnership.
At MC Truck Insurance, getting a quote is quick, simple, and handled by trucking experts who understand your business. Whether you’re starting a new authority or managing a growing fleet, we make the process smooth and stress-free.
Because we run a trucking company ourselves, we know exactly what information brokers, shippers, and insurance carriers need — and we make sure you get the best deal possible.
Most quotes are ready within minutes to a few hours, depending on the carrier.
We work with the most competitive trucking insurance companies in the country. We compare prices and coverages to make sure you get the best available rate.
We speak your language — English or Spanish.
We understand your challenges — because we face them too.
No distractions. No mixed industries.
Just trucks — from new authorities to long-haul fleets.
At MC Truck Insurance, trucking isn’t just our specialty — it’s our life. We are a family-run, bilingual (English/Spanish) insurance agency based in Salt Lake City with over 20 years of experience serving trucking companies of all sizes.
What truly sets us apart is simple:
We own a trucking company ourselves.
We know the industry from the inside — the long nights, the fluctuating rates, the compliance challenges, the tight deadlines, the unexpected breakdowns, and the constant pressure to keep insurance costs under control.
This real-world experience allows us to relate to our clients on a level that most agencies can’t. We understand the needs of truckers because we face them too.
To protect trucking businesses with the right coverage, at the best price, supported by fast, proactive service that keeps drivers and fleets moving with confidence. We commit to treating every client like family — with honesty, communication, and genuine dedication to your success on the road.
We don’t guess what trucking companies need — we know. From new authorities just getting started to experienced carriers with growing fleets, we help you navigate the insurance side of this constantly changing industry with clarity and confidence.
Our clients aren’t policy numbers — they’re partners. Many of the carriers we insure stay with us year after year because they trust our commitment, service, and integrity.
We don’t wait for surprises. Before your policy renews, we shop the market proactively to help you control insurance costs, stay profitable, and always secure the best option available.
Communication is our strongest asset. Whether you’re adding a driver, updating equipment, requesting a COI, or need a fast answer — our team responds within minutes, in both English and Spanish.
Our online platform lets you issue and send Certificates of Insurance anytime — instantly and without delays.
We will treat your business with the same care and dedication we give our own
We will communicate with speed and transparency
We will shop your renewals proactively
We will help you stay compliant and protected
Primary Liability covers damage you cause to other people or their property while driving your truck.
Think of it as the coverage that protects everyone else on the road if you make a mistake. It does not fix your truck — it protects the people you accidentally harm.
It’s required by federal law for all trucking companies.
Example:
You’re making a right turn and accidentally hit a small car.
Primary Liability pays for the car repairs and any injuries to the people inside.
Cargo Insurance protects the load you’re hauling.
If the freight you’re carrying gets damaged, stolen, wet, spoiled, dropped, or lost — cargo insurance helps cover the cost so you don’t have to pay out of pocket.
It protects the customer’s goods while they’re in your truck.
Example:
You’re hauling clothing. During sudden braking, the load shifts and several boxes are damaged.
Cargo Insurance pays for the damaged clothing so the customer doesn’t hold you responsible.
This protects a trailer that you don’t own but are using for a load.
If a broker, shipper, or another carrier gives you a trailer to haul — you’re responsible for that trailer while it’s under your care.
This coverage pays for damage to that trailer if something happens.
Example:
You pick up a reefer trailer that belongs to a broker.
If you get into an accident or the trailer gets vandalized, Trailer Interchange covers the repair or replacement cost.
Bobtail or Non-Trucking Liability covers you when your truck is being used for personal or non-business reasons — basically anytime you’re not under dispatch.
This is coverage for when you’re driving your truck with no load, no trailer, and no work assignment.
Example:
You finish a delivery and drive home without a trailer.
You accidentally bump into a parked car.
Bobtail / NTL covers that damage because you weren’t working at that moment.
General Liability protects your business from accidents that happen off the road.
This includes things like injuries at your yard, damage you cause while loading/unloading, or mistakes that aren’t related to driving the truck.
Example:
A customer walks into your yard and trips over a pallet.
General Liability pays for their medical bills.
Umbrella Coverage is extra protection that sits on top of your other policies.
If a claim is so big that it goes over your regular limit, the umbrella policy helps cover the rest.
Example:
You have a large accident and the damages cost more than your liability limit.
The umbrella policy steps in to help cover the remaining amount.
Workers Compensation protects your employees if they get hurt while working.
It pays for medical bills, lost wages, therapy, and recovery so your drivers are taken care of while they heal.
This is required in most states for W-2 employees.
Example:
A driver slips on ice while checking the trailer and injures their shoulder.
Workers Comp pays for the doctor visits and part of their income while they recover.
Occupational Accident provides similar protection as Workers Comp, but it’s made for 1099 owner-operators instead of W-2 employees.
It helps cover injuries that happen on the job but usually at lower limits.
Example:
A leased-on owner-operator hurts their back while pulling a fifth-wheel pin.
OccAcc helps pay for medical treatment and lost income while they rest.
On-Hook insurance protects the vehicle you’re towing.
If something happens to the customer’s vehicle while it’s hooked to your tow truck — accident, drop, scratch, fire, theft — this coverage pays for the damage.
Example:
You’re towing a car and it slides off the bed when you hit a bump.
On-Hook pays for the damage to that customer’s car.
Garage Keepers protects customer vehicles while they are stored, parked, or waiting for service at your yard, shop, or lot.
If a customer’s vehicle is damaged by fire, weather, theft, or an accident while in your care, this coverage pays for it.
Example:
You store several cars overnight in your lot.
A storm damages one of them.
Garage Keepers covers the damage.
Physical Damage protects your truck and trailer if they get damaged.
It has two parts:
Covers damage if your truck hits something — another vehicle, a pole, a wall, a guardrail, etc.
Example:
You back into a concrete barrier at a truck stop.
Collision coverage pays for the repairs to your truck.
Covers damage not caused by a collision, such as:
Example:
Your truck gets vandalized overnight and the windows are broken.
Comprehensive coverage pays for the repairs.
In short:
Collision = you hit something
Comprehensive = everything else that damages your truck
At MC Truck Insurance, issuing COIs is fast and easy.
Clients can log in to our custom platform anytime to:
You can also contact our team and we’ll send it within minutes.
Example:
A broker calls and needs a COI before you pick up a load.
You log in, click “Add Certificate,” enter their email, and send it immediately.
A claim is when you report damage or an accident.
Here’s how it works:
We guide you on what information to provide.
(Photos, location, police report, etc.)
They check:
An adjuster will:
Depending on the claim, the carrier pays the shop, the other driver, or reimburses you.
Example:
You hit a deer on the highway.
You call the carrier, send photos, and an adjuster approves repairs at a shop.
Your comprehensive coverage pays for the damage (minus your deductible).
We stay involved throughout the process so you’re never alone.
Here’s a simple breakdown for new trucking companies:
FMCSA won’t activate your authority until insurance is filed.
Usually $750,000 or $1,000,000 depending on cargo.
Most brokers require it before they load you.
New entrants are closely monitored for:
New start-ups are considered higher risk.
Rates improve as your company gains experience and clean history.
From filing your insurance with FMCSA to selecting the right coverage and explaining what brokers expect — we handle it all.
Example:
A new hot-shot business gets its authority, files insurance through us, and gets activated by FMCSA in a few days.
A deductible is the amount of money you pay out of pocket when you file a claim before the insurance company pays the rest.
Think of it like “your part” of the repair cost.
If the repair costs more than your deductible, insurance pays the difference.
Below are simple explanations for each type of deductible:
This deductible applies when your truck is damaged because you hit something — a vehicle, pole, guardrail, parked car, etc.
You pay the deductible first, then insurance covers the remaining repair cost.
Example:
This deductible applies when your truck is damaged by things not caused by a collision, such as:
You only pay the deductible if you file a claim for these events.
Example:
This deductible applies when the freight you’re hauling gets damaged, stolen, spilled, spoiled, or lost.
It works the same way — you pay your deductible, and cargo insurance pays the rest.
Example:
You’re hauling food products and part of the load gets damaged when the pallet tips over.
Lower deductibles mean you pay less during a claim, but your monthly premium is usually higher.
Higher deductibles mean you pay more during a claim, but your monthly premium may be lower.
At MC Truck Insurance, we help you choose deductibles that match your cash flow, operation type, and risk level — so they work for your business, not against it.
Reefer Breakdown coverage protects you if the refrigeration unit on a refrigerated trailer stops working and causes damage or spoilage to the temperature-controlled load you’re hauling.
This coverage is important for anyone hauling:
If the reefer unit breaks down or malfunctions, the cargo can spoil quickly. Reefer Breakdown helps cover the cost of that damaged load.
This coverage protects against spoilage caused by:
⚠️ Important:
Reefer Breakdown does not cover damage caused by operator errors, such as:
(These are usually excluded unless the policy specifically includes those options.)
Just like cargo coverage, Reefer Breakdown includes a deductible, which is the amount you pay before the insurance company steps in.
Simple Explanation:
If spoiled cargo is worth more than the deductible, insurance pays the rest.
You are hauling frozen chicken.
Halfway through the trip, the reefer unit stops cooling because a mechanical part fails.
The load partially thaws and becomes unusable.
You pay $2,500, and insurance covers $17,500.
Temperature-controlled freight is high-risk and high-value.
Even a 1–2 hour malfunction can ruin an entire load — and brokers will hold the carrier financially responsible.
Reefer Breakdown coverage helps protect your business from massive losses that could happen with a simple mechanical failure.
