Flatbed Trailer Insurance

Personal vs. Commercial Use

Flatbed trailers can be used for both personal and commercial use. They are simple in design and can be used for multiple functions. Unlike enclosed cargo trailers, flatbed trailers do not have sides or a roof, so objects need to be secured using ropes or chains. You may own one to haul your heavy and oversized personal items. Or, you may have a flatbed business that requires you to own a specialized trailer.

If your uses are purely personal, then you are not required to own any insurance, but it’s always a good idea to have some protection just in case.

For commercial uses, there are laws in place requiring some coverage. You will also need to register your flatbed trailer with the state department of motor vehicles. The type and amount of coverage can vary from state to state, so contacting your local independent insurance agent will help you to get the information that you need.

Owning a Flatbed Trailer Business

Owning a flatbed trailer business can be a risky venture. Hauling heavy objects down the highway can place you in dangerous situations.  Accidents can happen due to collisions between vehicles, falling cargo, a trailer unhitching in transit, and with stationary objects.

When owning a car hauling business, you need to purchase various types of insurance related to vehicle transport. This article details the coverage options to consider in order to protect the trailer itself.

Coverage Options

Comprehensive: Sometimes, you cannot control whether or not your flatbed trailer is damaged. Your trailer may be parked in your lot, or attached to your vehicle while traveling when an unexpected wind storm brings down a large tree limb. A deer may jump out in front of you while driving causing an accident. These “acts of nature”, or those accidents that are beyond your control are covered under comprehensive insurance. This form of protection will help to repair or replace your flatbed trailer.

Collision: Let’s face it, accidents happen. If you’re involved in an accident with another vehicle while towing your tractor trailer, having collision insurance will help to pay for the damages. It will help to cover the cost for repairs to the other vehicle and any other property that was damaged during the accident.

Trailer liability: Towing a flatbed trailer can put you at risk for involvement in more serious accidents. When another person is injured during the collision, liability insurance will help to pay their medical bills. It will also help to cover your expenses, should you be sued by the injured party.

Cargo Liability: This type of insurance protects the products you carry on your flatbed trailer. More likely than not, you do not own those items and would want to avoid paying out of pocket if they were to be lost of damaged. Some policies also offer the option to help pay for the cost to remove debris if the load on your flatbed disengages and spills onto the roadway or waterway.


The costs to insure your flatbed trailer vary widely. There are several different factors that affect the overall cost, including:

  • The year, make, and model of the trailer
  • The size of the trailer
  • Whether you plan to use the trailer for commercial or personal use
  • Whether or not you plan to use the trailer in more than one state
  • The objects that you plan to haul

Speak to an Agent

The best way to find out more on flatbed trailer insurance is to speak to your local, independent insurance agent. He or she has the knowledge and experience necessary to recommend the right coverage for you.

Other Enhanced Insurance articles related to Trailer Insurance:

Camper Trailer Insurance

Car Hauler Trailer Insurance

Enclosed Cargo Trailer Insurance

Food Trailer Insurance

Horse Livestock

Trailer Liability Insurance

Utility Trailer Insurance

Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.

While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.