PHYSICAL DAMAGE INSURANCE
for Trucking & Commercial VEHICLES
ELITE PARTNERS INSURANCE GROUP
Protection for Your Truck and Trailer—On and Off the RoAD
Physical Damage Insurance protects your truck and trailer from costly losses caused by collisions, theft, vandalism, fire, and severe weather. At Elite Partners Insurance Group, we provide physical damage coverage designed specifically for trucking operations—so your equipment, investment, and income stay protected when the unexpected happens.
If you own or finance your truck or trailer, physical damage insurance isn’t just smart—it’s essential.
ELITE PARTNERS INSURANCE GROUP
Who Needs Physical Damage Insurance
Physical damage insurance is critical for:
Owner-operators with owned or financed trucks
Motor carriers with fleets
Leased-on drivers responsible for equipment
Businesses hauling high-value or specialized loads
Anyone whose truck or trailer is a major financial investment
Available in 47 states (not licensed in Hawaii, Alaska, or Delaware)
ELITE PARTNERS INSURANCE GROUP
What What Physical Damage Insurance Covers
Collision Coverage
Pays to repair or replace your truck or trailer if it’s damaged in a collision—regardless of fault. This includes accidents with other vehicles or objects.
COMPREHENSIVE COVERAGE
Protects against non-collision losses such as: Theft or attempted theft, Vandalism, Fire or explosion, wind, hail, flooding, and other weather events, and animal strikes.
Together, collision and comprehensive coverage protect your equipment in almost every real-world scenario.
What physical damage Insurance
DOES
NOT
Cover
Understanding coverage limits helps avoid surprises:
- Liability for injuries or damage to others (Auto Liability required)
- Cargo losses (Motor Truck Cargo required)
- Normal wear and tear or mechanical breakdown
- Personal belongings inside the truck
We help you combine the right policies so every part of your operation is properly protected.
Why Physical Damage Insurance Is Often Set Up Wrong
Many businesses run into problems because:
1.
Trucks or trailers are insured for the wrong value
2.
Deductibles are too high to be practical
3.
Trailers are excluded or incorrectly listed
4.
Coverage doesn’t match how the equipment is actually used
We structure physical damage policies that reflect real-world trucking—not generic assumptions.
ELITE PARTNERS INSURANCE GROUP
Stop Overpaying for physical damage Insurance
If you’re an owner-operator, fleet owner, or contractor, chances are you’re paying for coverage you don’t need—or missing coverage you do. Elite Partners Insurance Group helps you switch smarter, with policies built to fit your operation and pricing that makes sense.
We shop the market, cut the waste, and get your coverage set up fast—so you can save money, stay compliant, and keep moving.
Serving 47 U.S. states.
Not Available in Hawaii, Alaska, or Delaware
A Commercial Truck Insurance Partner—Not Just Another Agent
Why Choose Elite Partners Insurance Group
Elite Partners Insurance Group specializes in commercial trucking insurance built to fit your operation. No cookie-cutter policies—just the right coverage to keep you compliant, protected, and saving money.
Fast commercial truck insurance quotes with quick turnarounds
Plain-language explanations—no insurance jargon
Policies structured to pass DOT audits, shipper requirements, and contracts
Strong relationships with factoring companies, finance companies, and fuel card providers
Real customer service before, during, and after the policy is written
OUR GUARANTEE
Every commercial insurance policy we sell is true to fit—no gaps, no wasted coverage, and no surprises when it matters most.