01Required by FMCSA
Primary auto liability
Bodily injury and property damage you cause with your truck. Interstate carriers need it to keep their authority active, and it is the policy your MCS-90 endorsement attaches to.
Coverage
What trucking insurance covers
A complete trucking program stacks several lines together. Here is each one, and who asks you to carry it.
02Required by your lender
Physical damage
Repair or replacement of your own tractor and trailer after a collision, fire, theft or storm. Lenders and lessors require it on financed equipment.
03Required by brokers & shippers
Motor truck cargo
The freight you haul if it is damaged or stolen in transit. Commodity exclusions and limits matter as much as the price.
04Required by your lease
Non-trucking liability
Liability for a leased owner-operator driving off dispatch, when the motor carrier’s policy does not respond.
05Recommended
Bobtail liability
Covers the tractor running without a trailer, between loads or after a drop. Often confused with non-trucking liability, and not the same form.
06Required by interchange agreements
Trailer interchange
Damage to a trailer you do not own while it is in your care under a written interchange agreement.
07Required by state law
Workers’ compensation
Medical bills and lost wages for employee drivers and staff hurt on the job. For independent owner-operators, occupational accident is the usual option.
08Required by contracts
General liability & umbrella
Claims that are not auto related, at your yard or a customer’s dock, plus excess limits above your primary auto policy.
Every program starts with your authority. Tell us whether you run your own authority or lease on, what you haul and how far, and we shop the whole stack across our trucking markets in one pass. Get a quote