Trucking Insurance
FMCSA-compliant coverage for freight operations
Trucking insurance is purpose-built for for-hire motor carriers and owner-operators regulated by the Federal Motor Carrier Safety Administration (FMCSA). It covers primary auto liability, cargo, physical damage, and more — ensuring you meet federal filing requirements and protect your livelihood every mile.
What's Covered
What this policy covers
- Primary Liability — FMCSA-required coverage ($750K–$1M+ depending on commodity)
- Motor Truck Cargo — the freight you're hauling if lost or damaged in transit
- Physical Damage — collision and comprehensive for your truck and trailer
- Non-Trucking Liability (Bobtail) — coverage when operating without a load, off dispatch
- Trailer Interchange — damage to non-owned trailers in your care
- Reefer Breakdown — refrigeration unit failure for temperature-controlled loads
Who Needs It
Is this coverage right for you?
- For-hire motor carriers (operating under your own MC number)
- Owner-operators leased to a carrier or running independently
- Trucking fleets of any size
- Hotshot truckers (expedited freight with pickup trucks and trailers)
- Food-grade and refrigerated (reefer) haulers
FAQ
Common questions about Trucking
What is an MCS-90 endorsement?
The MCS-90 is a mandatory endorsement on trucking liability policies that guarantees minimum coverage to the public, even if the policy would otherwise not respond. Required by the FMCSA for interstate commerce.
Do I need trucking insurance or commercial auto?
If you're transporting freight for hire under your own authority (MC number), you need trucking insurance. Commercial auto is for non-freight business vehicles. The distinction matters because carriers and FMCSA require specific trucking forms.
What is Bobtail / Non-Trucking Liability?
Non-Trucking Liability (NTL) — also called Bobtail — covers you when operating your truck without a load and off dispatch. It fills the gap when neither your own coverage nor the carrier's liability policy applies.
Can I get coverage the same day I receive my authority?
Yes. We work with specialty trucking markets and can typically bind a new authority the same business day for standard dry van, flatbed, and many specialized operations.
Ready to get Trucking coverage?
We'll find the right carrier and limits for your specific situation — same-day quotes for most accounts.