Primary Auto Liability
Mandatory liability protection satisfying federal FMCSA and state motor carrier limits for bodily injury and property damage.
Commercial trucking insurance
Commercial trucking insurance built for motor carriers and owner-operators.
Long-haul, regional freight, and specialized motor carriers face strict compliance, cargo exposures, and high-limit liability requirements. Start with your power units, operating radius, and freight type.
Trucking quote start
What is happening with your motor carrier operation?
Activating new authority, adding tractors or trailers, expanding freight radius, or reviewing high renewal rates is enough to start.
Commercial transportation
Power units, radius, freight class, and safety records drive motor carrier placement.
General commercial auto policies often fail to address interstate filings, federal safety thresholds, and high-value cargo liability. Trucking insurance requires specialized transportation underwriting.
Motor carrier coverage components
Protection designed for highway and freight exposures.
Motor Truck Cargo
Comprehensive protection for cargo in transit against loss, theft, damage, collision, or refrigeration mechanical breakdown.
Physical Damage & Bobtail
Collision and comprehensive for tractors and trailers, plus non-trucking liability (bobtail) when driving off-dispatch.
Trucking quote inputs
Operational facts that shape motor carrier underwriting.
- Fleet equipment & VINsNumber of tractors, trailers, box trucks, flatbeds, and gross vehicle weight ratings (GVWR).
- Operating radius & routesLocal, intermediate, or 500+ mile interstate hauls and primary freight commodities.
- DOT authority & safetyUSDOT / MC numbers, years under active authority, driver CDL experience, and MVR history.
Related coverage
Trucking insurance markets
We review specialized transportation markets for your trucking operation.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed company is not a promise of a quote, price, placement, or coverage.
Trucking-specific underwriting inputs
DOT filings, cargo classes, and driver qualification files set trucking apart.
USDOT & State Filings
Federal BMC-91X and state Form E/H filings require certified motor carrier authority that standard commercial auto cannot provide.
Cargo commodity classifications
Dry van, temperature-controlled refrigerated, building materials, or heavy machinery define cargo limit needs and theft exclusions.
Driver CDL tenure & MVRs
Commercial driver qualification files, minimum two years CDL experience, and clean safety scores dictate carrier pricing tiers.
Trucking insurance questions
Questions motor carriers and owner-operators ask us most.
Do you write both independent owner-operators and fleet operations?
Yes. We work with single-truck owner-operators operating under their own authority or permanent lease, as well as expanding motor carrier fleets.
Can you assist with state and federal DOT filings?
Yes. Our transportation carrier partners issue federal FMCSA and state filings directly upon policy binding to keep your authority active.
What is the difference between bobtail and primary auto liability?
Primary auto liability covers truck operations under motor carrier dispatch, while non-trucking liability (bobtail) covers personal use of the tractor when not hauling for hire.
Start your trucking quote