Trucking Insurance · Wisconsin
Wisconsin sits at one of the busiest freight crossroads in the country — I-94, I-90, and I-43 carry millions of tons of dairy, paper, manufactured goods, and general freight every year. Whether you're an owner-operator running lanes through Milwaukee or a small fleet hauling out of Green Bay, we provide trucking insurance built for Wisconsin operations through specialty markets most local agencies don't have access to.
What’s Covered
Every trucking operation is different. We work with specialty markets to put together coverage that matches what you actually haul, where you run, and how you operate.
Required by the FMCSA for interstate operations. Covers bodily injury and property damage you cause to others while under dispatch. Minimum limits vary by commodity — we make sure yours meet federal and shipper requirements.
Covers your truck and trailer against collision, fire, theft, vandalism, and weather damage. Includes both collision and comprehensive coverage, with deductible options to fit your budget.
Covers the freight you're hauling against damage or loss while in your care, custody, and control. Most brokers and shippers require at least $100,000 in cargo coverage.
Covers you when you're driving your tractor without a trailer, or for personal use outside a dispatch. A common gap for owner-operators leased to a carrier.
A more affordable alternative to workers' comp for owner-operators who don't qualify for traditional workers' comp. Covers medical expenses and lost income from on-the-job injuries.
Covers claims arising from your business operations that aren't related to a vehicle accident — loading/unloading incidents, premises liability, and more.
Why Dayton Insurance
We work with carriers that specialize in commercial trucking — not standard auto insurers trying to fit trucks into a personal lines box. That means better rates and real coverage for your operation.
As an independent agency, we compare quotes from multiple trucking specialty markets to find your best combination of price, coverage, and service.
We're licensed in Minnesota, Wisconsin, Colorado, and Nevada — ideal for drivers who cross state lines or operate regionally across the Midwest and Mountain West.
Ready when you are
Tell us what you’re hauling, where you run, and we’ll get back to you with options from multiple specialty carriers. Most quotes back within one business day.
Common Questions
Interstate truckers operating in Wisconsin must maintain FMCSA-required primary liability minimums — typically $750,000 for general freight and $1,000,000 or more for hazmat and certain other commodities. Wisconsin also follows federal cargo insurance requirements. We review your authority and commodity to make sure your limits meet all requirements.
Yes — primary liability covers damage to others, not the freight you're hauling. Most Wisconsin shippers and freight brokers require cargo coverage of at least $100,000. If you haul refrigerated goods, electronics, or other high-value commodities, higher limits are often required by contract.
Your FMCSA-compliant policy covers you in all states while under dispatch. However, if you have gaps — bobtail exposure, personal use, or between-load exposure — those need to be addressed regardless of which state you're in when the loss occurs. We can review your full exposure.
Wisconsin owner-operators typically pay $7,000–$16,000 per year for a complete package depending on commodity, radius, driving record, and equipment. Fleet pricing scales differently. We shop specialty markets to find your most competitive rate.
