Auto Hauler insurance in Pennsylvania
Cargo, on-hook, and garage-keepers coverage for haulers running open or enclosed.
Or call (610) 800-4410 · Open 7 days · 9 AM – 7 PM
- 1997 In insurance since Lionel A. Yates Sr.
- 7 days Open every week 9 AM – 7 PM ET
- 1 form To start a quote Underwriting review comes before binding
- PA-licensed Real agents Devon, Chester County
Your agents
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, because the load adds up fast. Seven cars at $40,000 each is a $280,000 load; swap one for a $100,000 EV or luxury SUV and it is $340,000. Either load is past a $250,000 per-load limit. Carriers underwrite the per-vehicle and per-load limits carefully, and so do we — see auto hauler cargo for how both limits are set.
Three steps to a Pennsylvania quote
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1
Send your operation details
Trailer type and capacity, the vehicles you haul and their values, radius, drivers, and loss runs.
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2
Size the cargo limit
The cargo limit should cover your worst-case load, not an average one. We then submit to markets that write car haulers.
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3
Bind, file, certificate
Once a policy is bound, the insurer makes any required federal filing and we issue the certificates your customers ask for.
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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Many carriers, one call
We price your risk across the carriers we can place you with — not one company's rate sheet — and show the numbers side by side.
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Real licensed agents
Every call lands with a PA-licensed producer in our Devon office — seven days a week, no phone tree, no hand-offs.
Auto Hauler insurance by county
We write auto hauler coverage across the Pennsylvania counties we serve. 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?
Size it to the worst-case load, not the average. Seven cars at $40,000 each is $280,000; six of those plus one $100,000 EV is $340,000. The per-vehicle sub-limit also has to cover the most valuable single unit you carry. We size both 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?
Whether damage during loading and unloading is covered depends on the cargo form: many car-hauler cargo forms include it or add it by endorsement, and some exclude it. On-hook coverage is built for vehicles you tow, winch or wheel-lift, usually wrecked, repossessed or non-running units. We read the form, not just the declarations page.
Do you write dealer-transport operations?
Yes. Dealer-transport, auction-pull, and inter-dealer runs each have slightly different cargo and on-hook needs, so tell us the mix you run and we quote to it.
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