ESSENTIAL COVERAGE GUIDE

Understanding Commercial Trucking Insurance

Learn about the essential coverages that protect your transportation business from financial risks and regulatory requirements

Automobile Liability

Required by law, this coverage protects against third-party bodily injury and property damage claims from accidents.

  • Pays for injuries and damages when you're at fault in an accident
  • FMCSA requires minimum coverage of $750,000
  • Required for filing Form BMC-91 with FMCSA to maintain operating authority

Physical Damage

Protects your vehicles against damage from accidents, theft, fire, and weather events.

  • Covers non-accident damage like theft, weather, and vandalism
  • Collision pays for crash damage whether you're at fault or not
  • Typically required by Lenders when financing or leasing your trucks

Motor Truck Cargo

Insures customer freight against damage or loss while in your care, custody, and control during transport.

  • Protects against common perils like accidents, fire, theft, and refrigeration breakdown
  • Required by most shippers and brokers before they'll contract with carriers
  • Coverage limits should match the highest value cargo you typically haul

General Liability

Protects you financially if you're ever held responsible for damaging someone else's property or causing an injury

  • Covers injury (ex. slip and fall accidents) at your business location
  • Protects when your driver causes damage at other's property (ex. truck stops or loading docks)
  • Covers libel/slander claims and fire damage to rental property

Non-Trucking Liability

Provides owner-operators with liability protection when not under dispatch or performing business for motor carriers.

  • Covers accidents when driving your truck for personal use (bobtailing)
  • Often required by leasing companies for owner-operators who lease onto carriers
  • Does not replace primary liability insurance required by the motor carrier

Workers' Compensation

Insurance that provides benefits to employees for work-related injuries or illnesses while protecting employers from lawsuits.

  • Covers medical expenses, lost wages, rehabilitation, and disability benefits for on-the-job injuries
  • Protects your business from employee lawsuits related to workplace injuries
  • Provides death benefits to families if an employee dies due to a work-related incident
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