Auto Hauler insurance in Pennsylvania
Cargo, on-hook, and garage-keepers coverage for haulers running open or enclosed.
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What auto hauler insurance covers
Auto haulers are not standard trucking risks. The cargo on the deck is worth far more than freight, the loading and unloading exposure is unique, and most general trucking carriers either decline or surcharge heavily.
We write open trailer haulers running 7 to 10 cars and enclosed haulers running fewer, higher-value units. Owner-operators, small fleets, and dealer-transport operations. The four coverages that actually matter: primary liability, physical damage, motor truck cargo with the right limit per vehicle, and on-hook coverage if you ever pick up a wrecked or non-running unit.
Cargo limits matter more here than almost anywhere else in trucking. A single Tesla or sprinter van on the deck can use up a $250,000 cargo limit by itself. Carriers underwrite the per-vehicle and per-load limit carefully, and so do we.
Three steps to a Pennsylvania quote
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Tell us your ZIP
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Coverage types we write
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Primary liability
FMCSR-mandated bodily injury and property damage. $1M is the operating standard for shipper paperwork.
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Physical damage
Tractor and trailer. Auto haulers tend to carry higher physical-damage limits because the trailer alone can be six figures.
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Motor truck cargo
The vehicles on the deck. Per-vehicle limit, per-load limit, and exclusions for unattended trailer theft are the three things to read closely.
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On-hook / wrecker coverage
For non-running, wrecked, or otherwise damaged vehicles you pick up. Standard cargo policies typically exclude these.
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Garage keepers
Vehicles in your care, custody, and control while parked at your yard or staging lot.
Why CY Financial for auto hauler insurance
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Independent broker
We work for you, not a single carrier. Real comparisons, real choice.
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Top-rated carriers
A panel of A-rated carriers shopping for the policy that fits.
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Real licensed agents
Talk to a Pennsylvania-licensed agent any day of the week.
Carriers we shop
Auto Hauler insurance by county
We write auto hauler coverage across all 67 Pennsylvania counties. Start with the metros below or browse the full state hub.
Frequently asked questions
What's the difference between cargo coverage and on-hook coverage?
Cargo coverage applies to running, drivable vehicles loaded for transport. On-hook applies when you tow a wrecked, non-running, or otherwise impaired vehicle. Most cargo policies exclude the second scenario, which is why on-hook is a separate line.
How much cargo coverage do I need?
Math the worst-case load. Seven cars at $40,000 each is $280,000. One Tesla Model X on the deck plus six other units can be more. We size the per-vehicle and per-load limits to the actual mix you haul.
Are open and enclosed haulers rated differently?
Yes. Enclosed haulers carry higher-value cargo and physical-damage rates, but the loss frequency is lower. Open haulers see more weather and rock-chip claims. Carriers price them as different risks.
Will my policy cover a vehicle that was damaged loading or unloading?
It depends on the policy form. Some cargo policies exclude loading and unloading; some include it; some require an endorsement. We read the form, not just the declarations page.
Do you write dealer-transport operations?
Yes. Dealer-transport, auction-pull, and inter-dealer trades are common risks for our auto-hauler clients. Each has slightly different cargo and on-hook needs.
Go deeper
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