Berkshire Hathaway Homestate Companies

Trucking liability, equipment and cargo

Auto liability covers insured responsibility for injury or damage to others, up to the chosen policy limits.

Physical-damage coverage is available for the insured vehicle. Deductibles and exclusions depend on the policy.

Cargo coverage is offered for transported goods. Public coverage descriptions do not specify a universal limit or commodity exclusions.

State and federal filings, including MCS-90, are listed. Confirm the required filing and effective date with your agent.

An agent obtains an indication and can bind approved quotes. No standard truck premium is published on the rater page.

Coverage can be issued by different BHHC insurers. Confirm the named underwriting company and applicable endorsements.

Specialized hauling and trailer options

Listed trucking classes include dump trucks, logging, towing and auto hauling, alongside general trucking.

Trailer interchange is listed as an available trucking feature, subject to state availability and policy terms.

A combined deductible is offered. Ask which coverages and losses the endorsement combines.

Additional-insured and waiver-of-subrogation options are listed, with availability varying by state.

Limited pollution liability is an available feature. The public list does not establish coverage for every substance or cleanup expense.

Commercial auto is advertised in 36 states. Confirm availability for your garaging state and operation.

Billing and policy administration

Direct Bill options include a continuous renewal billing plan. Request the down payment, installment dates and charges in your quote.

Credit-card and EFT payments are offered; eligible accounts can enroll in recurring payments.

ExpressPay asks for the policy number, effective date and mailing ZIP code. It is for direct-billed BHHC policies.

ExpressPay says processed policy changes appear in the amount due on the next invoice.

The payment page warns that paying the displayed amount does not guarantee reinstatement of a cancelled policy.

The public product pages do not give a universal cancellation notice period or refund calculation. Obtain the policy and billing terms.

Policyholders can print certificates, policy documents and ID cards through the online account.

Claims and ongoing support

Claim reporting is available 24/7 by phone, fax or email. BHHC works with a network of adjusters and appraisers.

The public claims page does not promise a fixed settlement time or a rental/downtime allowance.

Client Services supports billing, payments and online access Monday–Friday, 7am–7pm Central.

Contracted agents can view and print loss runs and access the forms library.

AM Best affirmed A++ (Superior) financial strength with a stable outlook on March 30, 2026. This is a financial rating, not a customer-review score.