Coverage Options
Primary Liability
Meets legal requirements and covers injuries or property damage you cause while operating a commercial truck.
Physical Damage
Covers repair or replacement of your truck and trailer due to collisions, theft, or other covered losses.
Motor Truck Cargo
Protects the freight you're hauling in case of damage, loss, or theft during transport.
General Liability
Covers incidents away from the vehicle, including loading, unloading, and activity at your place of business.
Non-Trucking Liability (NTL)
Covers your vehicle when used for non-business purposes and not under dispatch.
Workers’ Compensation
Covers employees for job-related injuries or illnesses.
Trailer Interchange and Rented Equipment
Covers damage to equipment or trailers you don't own but are under your care.
Occupational Accident Coverage
Optional coverage for owner-operators not included in workers’ comp.
Not sure which applies to you? We’ll help you figure it out. Contact us at 208-577-5577 or online.
Industries We Serve
Mustard Seed Truck Insurance provides coverage solutions tailored to the real-world needs of diverse transportation and logistics operations:
- Owner-Operators: Whether leased or operating under your own authority, we help you meet FMCSA requirements and stay on the road.
- Small & Midsize Fleets: Policies designed to cover multiple power units, drivers, and trailers with flexibility as your fleet grows.
- Long-Haul & Regional Carriers: End-to-end protection across state lines, from physical damage to cargo and liability.
- Specialty Haulers: Tailored coverage for dump trucks, tankers, intermodal, hazmat, and other high-risk or regulated cargo.
- Last-Mile Delivery: Solutions for parcel, courier, and e-commerce support fleets operating locally or regionally.
- Logistics & Freight Brokers: Contingent coverage and risk management for non-asset-based businesses.
- Commercial & Service Vehicles: From contractors to mobile businesses, we cover light and medium-duty commercial auto risks.
Freight Modes & Equipment Types We Cover
Mustard Seed Truck Insurance specializes in coverage tailored to the unique risks of every freight operation and vehicle type:
- FTL (Full Truckload): Coverage for carriers hauling full shipments point-to-point without transfers.
- LTL (Less Than Truckload): Insurance for shared-capacity haulers with multiple loads and stops.
- Dry Van: Protection for general freight operations using enclosed trailers.
- Flatbed: Specialized coverage for open-deck hauling, including oversize and secured loads.
- Reefer (Refrigerated): Policies addressing temperature-controlled freight and spoilage risk.
- Tankers: Coverage for liquid or gas cargo, including hazmat classifications.
- Dumptrucks: Protection for aggregate, demolition, and construction-related hauling.
- Intermodal & Container: Insurance for freight moving across rail, port, and highway via containers.
- Car Haulers: Tailored policies for vehicle transporters with multi-unit racks.
- Box Trucks & Straight Trucks: Flexible coverage for smaller local and regional operations.
Real-World Issues We Help Fix
We work with trucking businesses every day who’ve dealt with these common problems:
- Certificates that take too long and delay contracts or shipments.
- Agents who don’t understand trucking or FMCSA requirements.
- Coverage gaps that show up during audits or after a claim.
- Poor communication with adjusters and carrier reps.
- No reminders or help managing renewals and filings.
- Call centers instead of a direct contact.
We built Mustard Seed Truck Insurance to fix these problems. You get straightforward coverage, responsive service, and people who know how your business works. Call or email us and you'll get a direct answer from someone who understands your business.
We Shop the Options. You Save on the Perfect Policy.
We do the work for you by using our expertise to evaluate policies from leading insurance companies. Our priority is finding the right coverage at the best value, tailored to your specific needs. We offer coverage through many insurance providers. Here are a few.
