Trucking insurance questions, answered

New authorities typically need Auto Liability ($750,000–$1,000,000) with the BMC-91X filing, plus Motor Truck Cargo if you haul freight for others. Many brokers also require General Liability and Physical Damage.

Pricing depends on your radius, cargo, driving history, equipment value and years in business. We compare multiple carriers to find you a competitive rate — and quotes are always free.

Yes. Once your policy is bound, we coordinate the required federal and state filings with the carrier and send certificates of insurance to your brokers and shippers.

Yes. We offer Non-Trucking (Bobtail) Liability, Physical Damage and Occupational Accident coverage for leased owner-operators.

Most certificates are issued the same business day. Just call or email us with the certificate holder’s details.

The federal minimum for most general freight is $750,000, but most brokers require $1,000,000. We usually recommend $1,000,000 so you can accept loads from more brokers.

Yes. Once your policy is bound, we coordinate the BMC-91X with the carrier so your authority can become active, and we keep the filing current at renewal.

Your radius of operation, what you haul, driver experience and MVRs, the states you run in, years in business and loss history. We compare multiple carriers to find the best fit.

Only if your policy includes a reefer breakdown endorsement. If you haul refrigerated freight, we make sure it is included and explain any deductibles.

Most brokers ask for $100,000. Higher-value freight can require $250,000 or more — we can adjust limits as your lanes change.

High-theft and high-value goods like electronics, alcohol and pharmaceuticals. We work with carriers that specialize in these loads.

It is the value you declare for your truck when the policy starts. In a total loss you are generally paid the lower of the stated value or the actual cash value, so it is important to set it accurately.

Not by the FMCSA, but almost every lender and leasing company requires it. If your truck is paid off, it is still the only coverage that pays to fix your own equipment.

Many carriers offer downtime or rental reimbursement endorsements. Ask your agent — it helps keep income flowing while your truck is in the shop.

No. Auto liability covers accidents arising from operating your truck. General liability covers other business activities and premises.

Because your drivers and equipment are on their property. Many contracts require a certificate naming them as additional insured.

Workers’ comp is a state-regulated coverage for employees. Occupational accident is a private policy, often for independent contractors, with set benefit limits.

It depends on your state and whether you have employees. We help you understand the rules where you operate.

They are related but not identical. Non-trucking covers you when not under dispatch; bobtail covers driving without a trailer. We help you choose the right form for your lease.

No. If you run under your own authority, you need primary auto liability instead.