FMCSA-compliant coverage for freight operations

Trucking Insurance

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.

Get a quoteCall (623) 873-1234

At a glance

Trucking

Reviewed by a
licensed agent
FMCSA Min. Liability
$750K general freight / $1M+ hazmat
Federal Filing
BMC-91 / MCS-90 endorsement required
State Filings
Some states add their own intrastate filing
Rating Factors
Radius, commodity type, MVR, loss history

Watch for: The federal filing lives and dies with the policy.

The policy

What it covers, and who it's for.

The short version. What a policy actually covers is in its forms and endorsements, and we read those with you before you buy.

What it covers06

  • 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 it05

  • 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

By state

Trucking filings changes at the state line.

Arizona
Carriers that operate only inside Arizona still need a USDOT number for vehicles of 10,001 pounds or more, or for hazardous materials that need a permit (Arizona rule R17-5-203).
California
A Motor Carrier Permit from the DMV is required to run commercial vehicles of 10,001 pounds or more, or hazardous materials, in California. It needs proof of liability coverage, from $300,000 to $5 million depending on the vehicle and cargo, and proof of workers’ comp or a signed exemption. If the liability coverage lapses, the permit is suspended.
Elsewhere
Interstate carriers file with the FMCSA. Some states add their own requirements for carriers that stay inside the state. The 17 states we're licensed in.

Questions

About trucking, answered plainly.

Don't see yours? Call (623) 873-1234 or write to service@commercialy.com.

Often paired with

What usually goes alongside it.

  1. 01

    Commercial Auto

    Coverage for vehicles used in your business
  2. 02

    General Liability

    Core protection every business needs
  3. 03

    Umbrella / Excess

    An extra layer of protection above your primary policies

Talk to a licensed agent, not a phone tree.

Tell us what you're insuring and we'll come back with trucking options from more than one carrier, explained in plain English.

Call the office Se habla español

(623) 873-1234
Get a quoteContact us