Motor Carrier

As a motor carrier, you are responsible for getting goods from point A to point B. When you’re on the road, the last thing you want to worry about is whether or not you’re properly protected. Your local independent agent will work with you to discuss your needs and find the coverages that are right for you.

With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your business – find your local independent agent representing Auto-Owners today!


Our goal is to get you the right insurance coverage to keep you and your truck moving. Below are some of the coverages that we offer for the motor carrier industry.

Commercial Auto Liability

Bodily injury, property damage, uninsured motorist and underinsured motorist are just a few of the liability coverages offered.


Covers the costs to repair or replace your tractor when you’re involved in an accident.


Pays for damages to your tractor caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal, etc.

Uniform Intermodal Interchange Endorsement (UIIE)

Provides coverages for motor carriers entering an intermodal facility to pick up or drop off intermodal equipment and cargo.

Bobtail/Deadhead Coverage

Provides coverage for motor carriers operating under another entity’s hauling authority.

Motor Cargo

Coverage for cargo you own, cargo owned by others, or for a onetime shipment.

Workers' Compensation

Covers work-related injuries to your employees.

Commercial Umbrella

Covers large liability losses that exceed the limits of the underlying general liability or commercial auto policy.

General Liability

Provides protection from damages that arise from your normal operations at or away from your business location. Also includes protection from damages caused by your products, services or work you have performed.

Loss Control

Our highly specialized team can help you identify risks and assist you with implementing health and safety programs.

Ways to Save

We offer many ways to save, ensuring you get the right insurance coverage for your business at an affordable price.

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.

Group Discount

This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.

Fleet Monitoring Discount

When telematics devices are installed and actively monitor vehicles in your fleet, you may be eligible for this discount.


Assuming some of the risk yourself by choosing a higher deductible, may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

How do I get a quote?

Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.

Contact an Agent