Flatbed trucking plays a vital role in transporting oversized loads, construction materials, machinery, steel, lumber, equipment, and other open-deck freight that cannot be moved in enclosed trailers. Flatbed operations require drivers skilled in securement, tarping, chains, straps, and load balancing. Because of the exposure to weather and load visibility, flatbed carriers must meet strict insurance requirements to ensure compliance with brokers, shippers, and construction contractors.

Flatbed carriers also face higher risks due to load exposure and weight distribution. Depending on your contracts and hauling region, required coverages may include:

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• Motor Truck Cargo (limits vary based on load type)

• Physical Damage for truck and trailer

• General Liability

• Auto Liability (typically $1,000,000)

• Non-Owned Trailer Coverage

• Equipment/Tools Coverage (if applicable)

• Workers’ Compensation (if applicable)

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Flatbed carriers must also provide fast COIs, maintain strong safety scores, and ensure equipment is properly secured and maintained. At Eagle National Truck Insurance Services, we help flatbed drivers secure affordable, compliant insurance with the right limits for construction loads, machinery, oversized freight, and specialized open-deck cargo.

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