Louisiana carriers run petrochemical, port, and Gulf freight, and they need coverage that fits those loads. Transportation Risk Specialists works with Louisiana owner-operators and fleets from our office in Jasper, Alabama.
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Where Louisiana carriers run
- I-10 crosses southern Louisiana through Lake Charles, Lafayette, Baton Rouge, and New Orleans.
- I-20 runs across north Louisiana through Shreveport and Monroe.
- I-49 connects Lafayette and Shreveport.
- I-55 and I-59 link the New Orleans area north toward Mississippi.
- The Mississippi River ports, including New Orleans and Baton Rouge, handle container, bulk, and break-bulk freight.
Your lanes affect your insurance. Underwriters look at where your trucks are garaged, your radius, and the states you run, so tell us how you actually operate, not just where you’re based.
What Louisiana carriers haul
Louisiana freight includes petrochemical and industrial loads along the river corridor, oilfield-related freight, port and container drayage, agricultural products, and timber in the north and central parishes.
What you haul drives your cargo coverage. Some commodities are excluded or limited on many cargo policies, and refrigerated freight usually needs reefer breakdown coverage. We match the policy to your freight.
Coverage for Louisiana trucking operations
- Primary auto liability — Meets FMCSA requirements and your contract limits.
- Motor truck cargo — Written for the freight you haul and the limits your brokers require.
- Physical damage — For your tractors and trailers, with lender requirements met.
- Non-trucking liability and bobtail — For leased-on owner-operators.
- Also available: general liability, trailer interchange, occupational accident, workers’ compensation, and umbrella or excess.
We work with owner-operators, leased owner-operators, small fleets, long-haul carriers, and new authorities in Louisiana.
Federal and Louisiana requirements
Interstate carriers: For-hire interstate carriers hauling non-hazardous freight in vehicles of 10,001 pounds GVWR or more must carry at least $750,000 in liability, filed by the insurer with FMCSA. Carriers of certain hazardous materials need $1,000,000, and carriers of explosives, poison gas, or radioactive materials need $5,000,000. Many brokers and shippers require $1,000,000 regardless.
Intrastate carriers: If you run only within Louisiana, state rules decide whether you need a USDOT number and what insurance must be on file with the state. Tell us you’re intrastate-only and we’ll confirm the current Louisiana requirements before you bind.
Louisiana trucking insurance FAQ
Is Louisiana trucking insurance harder to place?
Louisiana is a state where underwriters look closely at each account. A complete submission, a clean safety record, and good loss runs give you the best chance at more options. We’ll be upfront about what the markets say.
Do you insure hazmat carriers in Louisiana?
Hazmat carriers need higher federal liability limits, $1,000,000 or $5,000,000 depending on the materials. Fewer markets write hazmat, so call us with your commodities and record and we’ll tell you what’s available.
Are you licensed in Louisiana?
Yes. Old National Insurance Inc. is licensed in Louisiana, and we serve trucking operations across the Southeast. See all states we serve.
Louisiana carrier? Call 205-221-5466 or start your quote with your DOT number.
Also serving: Alabama · Georgia · Tennessee · Mississippi