HAZMAT TRUCK INSURANCE
Transporting hazardous materials is critical for your business — but it also comes with high risk. At SCI, we understand the daily challenges you face on the road. With over 30 years of experience providing reliable truck insurance solutions across the U.S., we help protect your hazmat trucking operations with comprehensive coverage at the most affordable rates.
Get protected from all the risks with the right coverage!
Minimize your safety concerns at your affordability
When your business involves transporting hazardous substances, you face risks that can cause severe damage to people, property, and your vehicles.
A single accident or cargo spill can lead to contamination, fires, explosions, and major financial loss. With SCI’s Hazmat Truck Insurance, you can operate confidently knowing your trucks, drivers, and cargo are fully protected.
What is hazmat truck insurance?
Hazmat Truck Insurance is a specialized type of commercial truck insurance designed for carriers hauling hazardous materials.
It provides coverage for cargo loss, property damage, bodily injury, cleanup costs, and other expenses that may result from an accident or contamination incident.
This policy ensures your business stays protected — and compliant — while minimizing the risks of unforeseen danger.
Who needs hazmat truck insurance?
Because of the extreme risks involved in hauling hazardous or explosive materials, the OSHA, DOT, and EPA have strict federal regulations requiring proper insurance coverage.
If you haul any of the following substances, you must carry hazmat truck insurance to operate legally and safely:
- Explosives
- Radioactive materials
- Corrosives
- Any other dangerous goods
- Oxidizing substances OR organic peroxides
- Gases
- Flammable liquids and solids
- Infectious and contagious substances
What coverages are included in hazmat truck insurance?
Your Hazmat Truck Insurance policy can be customized to include several key coverages for complete protection:
- Pollution liability coverage: This policy pays for the expenses incurred in clean-up after an accident including costs occurring due to the release of pollutants being transported, owned, loaded, or unloaded from the covered truck.
- Collision and comprehensive: This coverage protects your truck and trailer against the losses arising out of theft, vandalism, fire, overturn, and other types of risks.
- General liability: This policy is also called hazmat’s hauler liability which protects you from non-trucking activities. Like incorrect delivery of the substance.
- Loading and unloading: This coverage protects the cargo while being loaded or unloaded. If any damage occurs to the shipment, this coverage will pay for it.
- Medical payments: This coverage pays for the medical expenses of your trucker and passengers who get injured in the accident.
- Downtime coverage: Adding downtime coverage to your existing physical damage policy will add an additional layer of protection against all likely losses. It pays for the time when you are not operating with your truck due to an accident.
- Rental reimbursement: This pays for the rental truck you hire when your own truck is undergoing repair after an accident. You can get a large ratio of the truck rental cost via rental reimbursement coverage.
What is the cost of hazmat truck insurance?
The exact cost of your hazmat coverage depends on several factors, including:
- Hazmat violations: If you already have hazmat violations in your name then the amount of hazmat truck insurance will be higher. Make sure that you adhere to all hazmat regulations to lower the cost of your policy.
- Coverage gaps: If there are frequent gaps in your hazmat policy then the price of your coverage will shoot up. You need to carry this coverage all the time to be on the safer side.
- Past driving records: Truckers who have violated traffic rules or have poor driving records face higher policy rates on all types of truck coverages including hazmat.
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Don’t wait for an accident to expose your business. Protect your operations, reputation, and customers today with Garagekeepers Legal Liability Insurance from SCI.
Call us Monday to Friday, 9 AM – 5 PM for faster responses, or fill out our quick form below to get your quote instantly.