Commercial Truck Insurance in Louisiana

by Castello Agency
- November 6, 2025
In Uncategorized

Protecting Your Business on the Road

Owning and operating your own truck — or managing a small fleet — in Louisiana comes with big responsibilities and even bigger risks. Whether you’re hauling loads across state lines or making local deliveries around Baton Rouge and Zachary, having the right coverage in place is important.

What Does Commercial Truck Insurance in Louisiana Cover?

1. Auto Liability Insurance

Required by law. Pays for bodily injury and property damage if you or your driver are at fault.

2. Physical Damage Coverage

Repairs or replaces your truck after a collision, theft, fire, or vandalism. Includes Collision and Comprehensive coverage.

3. Motor Truck Cargo Insurance

Protects cargo in your care from loss or damage due to collision, fire, or theft.

4. Non-Trucking Liability (Bobtail) Insurance

Covers your truck when you’re not under dispatch — driving home after a delivery, or to a repair shop.

5. Uninsured/Underinsured Motorist Coverage

Protects you if you’re hit by someone without adequate insurance.

6. Medical Payments & Workers’ Compensation

MedPay covers medical costs after an accident. Workers’ Comp protects your drivers from bills and lost wages.

7. Additional Optional Coverages

Trailer Interchange Coverage
Rental Reimbursement with Downtime
Towing & Roadside Assistance

How Dash Cams Can Lower Your Premiums

Around 1 in 5 insurers offer discounts with dash cams or telematics.
Some carriers offer up to 10% discount for qualifying technology.
Louisiana House Bill 549 (effective Jan 1, 2026) requires insurers to offer liability discounts for dash cam-equipped vehicles.
Typical savings: 5% to 15%.