As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing, or any other private carrier capacity, we have truck insurance solutions for you.

Primary Liability – Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or insure that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.

Cargo Insurance – Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.

Physical Damage (Collision, Specified Perils) – Provides coverage for repair or replacement for damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.

Occupational Accident – Product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, occ/acc is similar in scope and intent. Most motor carriers require their leased operators to be covered either by workers compensation or occ/acc at the leased operators expense. For those who qualify, occ/acc is generally a lower cost alternative.

Business Insurance Protection

Life Insurance FAQs

How Do I Know If I Need Life Insurance?

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ATV Insurance

ATV insurance is very similar to motorcycle insurance. All-terrain vehicles

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Homeowners Insurance

Homeowners policies cover you in a home or an

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Life Insurance FAQs

How Do I Know If I Need Life Insurance?

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We help cover your life better.

Whether it's a minivan with eight seats, a sporty coupe with two - or even a motorcycle - we can help you protect it. Find out more about the extras that are available with an ERIE auto policy.

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          Love the people here, they’re friendly and fast, and I have all of my policies through them, auto, home, and life. I highly recommend!”

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