Trucking Insurance · Nevada
Nevada Trucking Insurance
Nevada sits at the heart of western freight — I-15 connects Los Angeles to Salt Lake City through Las Vegas, while I-80 crosses the state. Hauling through Nevada means desert heat, remote stretches, and demanding terrain. As a NV-licensed independent broker, I work with carriers that understand the trucking industry — whether you're an owner-operator, a small fleet, or an established carrier hauling construction materials, consumer goods, casino resorts, and mining equipment.
Trucking coverage in detail
FMCSA-compliant trucking coverage in Nevada includes several components that work together to protect your authority, equipment, and income.
Primary liability
Required for all for-hire carriers under FMCSA authority. Nevada interstate operators must meet federal minimums — $750,000 for general freight, higher for hazmat. We file your MCS-90 endorsement automatically.
Physical damage
Covers your tractor and trailer for collision and comprehensive losses. We quote replacement cost vs. actual cash value options depending on your equipment age.
Motor truck cargo
Pays for cargo lost, damaged, or stolen while in your care. Limits should match the value of your highest-value loads. Specialty coverage available for refrigerated and high-value commodities.
Bobtail & non-trucking liability
Covers your tractor when it's not under dispatch — bobtailing between loads, heading home after a delivery. Often required by motor carriers for owner-operators.
Trailer interchange
If you haul trailers you don't own under a trailer interchange agreement, this covers physical damage to those trailers while in your possession.
Occupational accident
An alternative to workers' comp for owner-operators. Covers medical expenses and lost income if you're injured on the job — increasingly required by brokers and motor carriers.
Why Dayton Insurance
An independent agent who works for you
Unlike captive agents who represent one company, we shop multiple carriers to find the right coverage at the right price.
Truly independent
We represent multiple top-rated carriers — not just one company. That means you get options, not a single take-it-or-leave-it quote.
Claims advocacy
When you file a claim, you have someone in your corner. We'll walk you through the process and follow up with the carrier so you don't have to fight it alone.
One agent, start to finish
From the first quote to renewal, you work with Nate directly. No call centers, no handoffs, no surprises at renewal.
Get your quote
Ready to get covered?
As an independent broker, I shop multiple carriers to find the right fit. Most personal lines quotes come back within 24 hours. Commercial and trucking within 2–3 business days.
Request a Free Quote
Common Questions
Frequently asked questions
What are Nevada's FMCSA requirements for commercial truckers?
Interstate operators in Nevada must maintain FMCSA-required primary liability minimums — $750,000 for general freight, $1,000,000 or more for hazmat. We review your authority and make sure your limits meet all requirements.
I'm an owner-operator leased to a motor carrier. What coverage do I need?
Your motor carrier provides primary liability while you're under dispatch, but you need bobtail coverage for when you're not. Physical damage for your tractor and occupational accident are also your responsibility.
How does my cargo type affect my insurance cost?
Carriers price cargo insurance based on the commodity type and loss history. General freight rates differ significantly from refrigerated, high-value electronics, or hazmat loads.
Can you cover a small fleet operating in {sf}?
Yes — we work with owner-operators, small fleets, and mid-size carriers. Fleet pricing applies at three or more units in most cases, and we build the policy around your specific routes in Nevada.