Insurance suggestions for a Step Deck Trailer

Discussion in 'Ask An Owner Operator' started by AppalachianDruid, Mar 17, 2026.

  1. AppalachianDruid

    AppalachianDruid Bobtail Member

    40
    24
    May 20, 2025
    0
    Who do you guys use for full coverage for your trailer? I have full coverage for my truck through Mercer where I’m leased on at. But my trailer is my own. Progressive won’t do full liability insurance on a trailer unless I fully insure the truck through them too. But I’m not doing that, because I barely pay $300 a month at Mercer for insurance.

    It’s a 2005 TRANSCRAFT Step Deck 48” valued at $16,000

    thanks!
     
    Ok big boy Thanks this.
  2. Truckers Report Jobs

    Trucking Jobs in 30 seconds

    Every month 400 people find a job with the help of TruckersReport.

  3. Big Road Skateboard

    Big Road Skateboard Road Train Member

    7,096
    40,277
    May 2, 2021
    0
    Maybe Great West
     
    Last edited: Mar 17, 2026
  4. Diesel Dave

    Diesel Dave Last Few of the OUTLAWS

    9,661
    32,726
    Jan 20, 2010
    Hesperia, Ca.
    0
    AppalachianDruid and Ok big boy Thank this.
  5. Ok big boy

    Ok big boy Light Load Member

    97
    112
    Jan 22, 2014
    0
    I sold my truck and still had my Benson worth about $15K. I was not able to find anyone that would write it up.
     
  6. Long FLD

    Long FLD Road Train Member

    12,871
    53,872
    Mar 4, 2015
    0
    Can try Great West or Northland. I’ve used both for trailer insurance in the past but also had my truck insured there.
     
  7. Banker

    Banker Road Train Member

    4,515
    14,624
    Aug 19, 2012
    0
    That is odd that Mercer doesn’t have an option to insure your trailer through the same insurance company they use for all other insurance. The carrier I was leased to for many years had this option. It was much easier to get all my insurance covered from one source. The carrier paid the bill and deducted it from my settlements with no up charge. The premium was based on what I set the value at but I didn’t over value it because the insurance company only paid out market value in the event of a loss.
     
    Ok big boy Thanks this.
  8. AppalachianDruid

    AppalachianDruid Bobtail Member

    40
    24
    May 20, 2025
    0
    I was actually mistaken y’all. They do insure the trailer, I just read their email wrong

    thanks all for the help though!
     
    Ok big boy Thanks this.
  • Truckers Report Jobs

    Trucking Jobs in 30 seconds

    Every month 400 people find a job with the help of TruckersReport.