Physical Damage Insurance for Commercial Vehicles
Comprehensive and collision coverage for your trucks, tractors, and trailers. Protect your assets with flexible deductibles and same-day coverage options.
What is Physical Damage Coverage?
Physical Damage insurance protects your commercial vehicles against physical loss or damage. This coverage includes both comprehensive (non-collision events like theft, fire, vandalism) and collision (accidents with other vehicles or objects) protection for your scheduled trucks, tractors, and trailers.
What's Covered
Why Choose Cover Whale for Physical Damage
Flexible coverage options with competitive rates and same-day service
Comprehensive & Collision Coverage
Complete protection for your trucks, tractors, and trailers against accidents, theft, vandalism, and natural disasters.
Flexible Deductible Options
Choose the right deductible for your budget and risk tolerance with options ranging from $1,000 to $10,000.
Towing & Storage Included
$7,500 towing and storage limit included standard, with options up to $25,000 to protect your investment.
Same-Day Coverage
Add or remove vehicles instantly with same-day binding and immediate certificate issuance.
Physical Damage Guidelines
Our underwriting standards and eligibility requirements
Fleet Size: Targeting 1-75 power units
Flexibility: Can be written as a package or on a standalone basis
Experience: 2 years minimum driving experience with like vehicle
Vehicle Age: Tractors and trailers must be newer than 23 years old
Refrigeration: Breakdown coverage available if trailers are less than ten years old
Towing & Storage: $7,500 limit included with options up to $25,000
Comprehensive Coverage
Protects against non-collision events including:
- Theft and vandalism
- Fire and explosion
- Weather events (hail, wind, flood)
- Falling objects
- Animal strikes
Collision Coverage
Protects against collision events including:
- Accidents with other vehicles
- Impact with fixed objects
- Rollovers and overturns
- Hit-and-run incidents
- Single-vehicle accidents
How DriveSmart Protects Your Physical Assets
Our DriveSmart technology helps prevent physical damage claims through real-time driver coaching and proactive risk management. AI-powered dash cams capture incident footage for faster, more accurate claims resolution.
Accident Prevention: Real-time alerts for harsh braking, rapid acceleration, and unsafe following distances
Claims Documentation: Automatic video capture of incidents provides clear evidence for faster claims processing
Theft Recovery: GPS tracking helps law enforcement recover stolen vehicles quickly
Ready to Protect Your Fleet Assets?
Get comprehensive physical damage coverage with flexible options and competitive rates.