Protecting the People and Businesses That Keep North Carolina Moving
If you drive for work in North Carolina—whether you own your own truck, operate a fleet, or work as a delivery driver—you need more than a standard auto policy. Commercial drivers insurance is designed to protect both you and your business when you’re behind the wheel for work.
From freight haulers in Wilmington to couriers in Raleigh and construction drivers in Charlotte, the right coverage helps protect your vehicle, cargo, livelihood, and the people you share the road with.
What Is Commercial Drivers Insurance?
Commercial drivers insurance is specialized coverage for vehicles used for business purposes. It can be purchased by companies with employees who drive or by independent owner-operators.
Most policies can include:
- Liability Coverage – Covers injuries or property damage you cause while driving for business.
- Physical Damage Coverage – Pays for repairs or replacement if your vehicle is damaged in an accident, fire, or theft.
- Cargo Coverage – Protects goods or materials you’re transporting.
- Medical Payments & Uninsured Motorist Coverage – Helps pay for medical costs if you or your passengers are injured, including when the other driver doesn’t have enough coverage.
- Non-Trucking Liability (Bobtail Insurance) – For owner-operators when driving without a load.
Who Needs Commercial Drivers Insurance?
You likely need a commercial policy if you:
- Drive a vehicle owned or leased by a business
- Transport goods, tools, or passengers for payment
- Operate vehicles over a certain weight class (like semi-trucks or dump trucks)
- Have a DOT or MC number for your business
- Are required by a contract to carry specific coverages
Industries that often require commercial driver coverage include:
- Trucking and freight transport
- Construction and contracting
- Delivery and courier services
- Agriculture and farming
- Passenger transport
Why Commercial Drivers Insurance Matters in North Carolina
North Carolina has strict insurance requirements for certain commercial vehicles, and federal regulations may also apply depending on your business. The right policy can:
- Meet state and federal insurance requirements
- Protect against costly lawsuits after an accident
- Keep your business compliant and operational
- Provide peace of mind when your livelihood depends on being on the road
How Sizemore Insurance Helps Commercial Drivers
We work with multiple top-rated carriers to:
- Match your policy to your type of driving, cargo, and routes
- Ensure you meet all state and federal requirements
- Compare pricing to keep costs competitive without cutting essential coverage
- Provide fast, knowledgeable service so you can focus on your business—not paperwork
Get Your Commercial Drivers Insurance Quote Today
Whether you’re an independent driver or manage a fleet, Sizemore Insurance can help you get the right coverage for the road ahead.
Start your commercial drivers insurance quote or call (910) 791-1011 to speak with an advisor today.