Commercial trucking insurance policies are essential for independent truckers. Purchasing commercial trucking insurance is generally viewed as a major expense. Maintaining profitability is one of your top priorities as a business owner, so you must determine the type of coverage you require to stay protected. One accident could do major damage to your business. Likewise, there's a chance you could be over-insured as well, which means you will pay more for excess coverage than you need. Here's a look at some basic commercial trucking insurance facts to help you understand your policy.