Coverage / Primary Liability
Primary Liability Trucking Insurance
Primary liability is the bodily-injury and property-damage coverage federal authority requires you to carry. FMCSA's $750,000 minimum for non-hazmat freight (and $1,000,000 most shippers will actually accept) starts here. We place this with A-rated markets and right-size limits to your radius, freight class, and loss history.
Where primary liability actually responds.
- Bodily injury and property damage you're legally liable for while operating under your authority
- Defense costs, attorney fees, and settlements within policy limits
- MCS-90 endorsement filings with FMCSA when required
- Trailer and tractor on the policy together for combined limits
If this describes you, get a quote.
Every owner-operator and fleet running under their own DOT authority. If a shipper or broker has issued you load tenders, they want a COI showing this in force before you roll.
Limits, deductibles, and inclusions.
- $1,000,000 CSL is the standard quote target
- Higher limits ($2M to $5M) available for hazmat, port drayage, or shipper requirements
- Quoted with combined or split radius profiles (50/200/500-mile, regional, long-haul)
Physical Damage Insurance for Trucks and Trailers
Physical damage protects your tractor, trailer, and attached equipment from collision, fire, theft, and weather. Stated values matter. If you under-insure, you are out-of-pocket on a total loss. If you over-insure, you are paying for limits you cannot collect. We quote at honest replacement values across A-rated markets.
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Motor Truck Cargo and Trailer Interchange Insurance
Cargo coverage protects the freight you're hauling against loss, theft, and damage in transit. Most shippers and brokers require a $100,000 cargo policy on the COI before they'll tender a load. Trailer interchange responds when you're pulling someone else's trailer under a TIA.
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Commercial General Liability for Trucking Operations
General liability is what responds when something goes wrong off the truck: a yard slip-and-fall, damage to a customer's property at a terminal, a shipper certificate that needs an additional insured. It does not replace primary auto liability. It sits alongside it.
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