Collision Coverage
Covers repair or replacement costs when your commercial truck is damaged in a collision with another vehicle or object, keeping your rig on the road and your operations running without major out-of-pocket expense.
Your commercial trucks are among your most valuable assets — and every mile on the road carries risk. Soma's physical damage insurance protects your semi trucks, tractors, and equipment against collisions, theft, vandalism, and weather events. Whether you're an owner-operator or managing a fleet, we place coverage fast, even for hard-to-insure trucking risks.
Comprehensive physical damage protection for trucks, trailers, and fleets — placed fast through top-rated trucking carriers.
Covers repair or replacement costs when your commercial truck is damaged in a collision with another vehicle or object, keeping your rig on the road and your operations running without major out-of-pocket expense.
Protects your truck against non-collision losses including theft, vandalism, fire, flooding, and weather-related damage — critical protection for trucks parked overnight or operating through severe weather regions.
A targeted, cost-effective alternative to full comprehensive coverage that protects against a defined list of named hazards, ideal for owner-operators seeking affordable physical damage protection with clear, predictable terms.
Consolidated physical damage policies covering your entire commercial truck fleet under a single program — simplifying renewals, reducing administrative burden, and ensuring every vehicle in your operation is protected.
Extends physical damage protection to owned trailers and, through trailer interchange agreements, to non-owned trailers in your possession — ensuring full equipment coverage throughout the haul.
Soma specializes in placing physical damage coverage for new trucking ventures, drivers with violations, and operators that standard markets routinely decline — getting you insured at a competitive rate quickly.
Commercial trucks face daily exposure to collisions, theft, and severe weather — and a single incident can sideline your operation for weeks. Soma works with top-rated trucking carriers including Chubb, Progressive, Kemper, and Ascend to place physical damage coverage that matches your actual risk profile. From owner-operators running a single semi to regional fleets, we deliver fast quotes through one application, including risks that standard brokers turn away — new ventures, drivers with violations, and specialty haul operations.
See how Soma has helped trucking businesses secure fast, competitive physical damage coverage.
Soma brings speed, specialist expertise, and access to the industry's top trucking carriers to every physical damage placement.
We place coverage with Chubb, Progressive, Kemper, and Ascend — carriers with deep appetite for commercial trucking risks.
New ventures, drivers with violations, and specialty haul operations — Soma places physical damage coverage others won't touch.
One application gets your trucking operation quoted fast — no waiting weeks or chasing brokers for a response.
Soma handles all DOT and FMCSA compliance filings seamlessly alongside your physical damage policy placement.
Specialist risk managers who understand the trucking industry inside out.
Soma is a commercial insurance brokerage purpose-built for complex, hard-to-insure businesses — and trucking is one of the verticals we know best. Our Risk Management Team has processed thousands of trucking accounts, working with top-rated carriers including Chubb, Progressive, Kemper, and Ascend to place physical damage and broader trucking programs fast. We replace the traditional broker model with a smarter, faster approach: one application, expert analysis, and coverage bound without the delays. From solo owner-operators protecting a single semi to regional fleets hauling specialty freight, Soma delivers competitive physical damage insurance tailored to each operation's unique risk profile — including those that standard markets routinely decline.
Physical damage coverage for trucking protects your commercial truck itself — the tractor, trailer, or other equipment — against direct physical loss or damage. It typically includes collision coverage (damage from accidents) and comprehensive coverage (theft, vandalism, fire, weather). Unlike liability insurance, which covers damage you cause to others, physical damage coverage pays to repair or replace your own vehicle.
Talk to a Soma trucking insurance specialist for a fast, no-obligation consultation.
Placing coverage through one of the world's most trusted commercial insurers.
Accessing Progressive's specialized commercial truck insurance programs.
Thousands of commercial businesses insured through a smarter brokerage model.
Share your trucking details and a Soma specialist will analyze your operation and come back with competitive physical damage coverage options — no waiting, no chasing brokers.