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Flatbed fleets

Flatbed and specialized fleet insurance

The short answer

Flatbed fleets need auto liability, motor truck cargo sized for steel, lumber, machinery and building materials, physical damage and often general liability for loading sites. Cargo securement is the big loss driver, so securement training and inspection results matter to underwriters.

Get a quoteCall (555) 555-0123

Key risks for flatbed fleets

  • Shifting or falling cargo from improper securement
  • Oversize and overweight permits and routing
  • High-value machinery and equipment loads
  • Driver injuries while tarping and securing

Where we help

Securement violations count against your CSA scores and cargo claims hit loss runs. We help flatbed clients with securement-focused loss control, DataQs challenges on questionable securement violations, and cargo limits that match the freight.

Last updated November 10, 2026. Reviewed by a licensed insurance professional at Haul Good Insurance.

Frequently asked questions

Does cargo insurance cover machinery on a flatbed?

Often yes, but check commodity exclusions and per-load limits. High-value machinery may need a higher limit.

Why are flatbed premiums higher?

Cargo securement, injury risk and heavier loads add exposure. Strong securement training and clean inspections help offset it.

Get a free fleet insurance and CSA review.

For carriers with 5+ power units. Tell us about your fleet; it takes about three minutes.

Start my quote Call (555) 555-0123