Commercial Auto Physical Damage coverage backed by Lloyd’s of London—designed for truckers and fleets who need reliable protection.
What does physical damage insurance cover?
Physical Damage coverage protects scheduled trucks against costly losses from accidents, theft, fire, vandalism, severe weather, or animal damage. Unlike liability insurance, which covers damage to others, Auto Physical Damage coverage ensures your vehicles can be repaired or replaced—keeping your business moving with minimal downtime.
Collision coverage
Comprehensive coverage
Protects against non-collision risks such as theft, vandalism, fire, floods, severe weather.
Flexible deductibles
Choose deductible options, balancing affordable premiums with predictable out-of-pocket costs.
We’ve built our Physical Damage program around the needs of today’s trucking professionals—balancing flexibility for new ventures with competitive advantages for experienced operators.
New ventures accepted (with surcharges)
CDL required for all classes
1+ years CDL experience (1–2 years surcharged, 4+ years discounted)
Drivers aged 24–67
Vehicles up to 20, trailers up to 25 years old
Minimum premium $1,500 per truck
Pay in full discount
Discounts for favorable loss ratios and established businesses
- 01 -
Eligible Classes
General Freight
Last-Mile Delivery
Refrigerated Goods
Hotshot & Expeditor
Auto Hauling
Dirt, Sand & Gravel (soon)
- 02 -
Eligible Vehicles
Semi truck
Box truck
Dry van
Flatbed truck
Dump truck
Car hauler
Reefer
- 03 -
States
California
Florida (soon)
Georgia
Illinois
Indiana (soon)
Iowa
New Jersey
North Carolina
Ohio
Pennsylvania
South Carolina
Tennessee (soon)
Texas
- 04 -
Agents / Brokers
Submissions are accepted only through agents and brokers appointed with RTA.
Appointment and proper state licensing are required.
