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Understanding what trucking insurance you need
Auto liability (primary liability) You need this only if you already have or have applied for an MC number, in order to get it activated with the FMCSA. Every truck on the road is required by law to carry liability insurance. This does not cover your own truck — it covers damage you may cause to others while operating it. It is the most costly insurance type. Required limit: $1,000,000.
Motor truck cargo Usually paired with Auto Liability. Covers the freight hauled by the carrier in case of damage. The policy is purchased with a maximum load limit for one shipment at a time. The most commonly required limit is $100,000.
General liability Required by some brokers and Amazon Relay (roughly 5%). Covers non-auto-related damage to others. If no one is asking for it, you probably don’t need it — but it is inexpensive, about $550 a year for the full policy.
Physical Damage Covers damage to your truck or trailer. Not mandatory once your truck is paid off. The coverage limit is the vehicle’s stated value.
Non trucking liability Added on top of Physical Damage. Not mandatory — if no one is asking you for it, you don’t need it. Covers your liability when you use the truck for personal use (not under dispatch). If you are in NY or FL and need it for truck registration, let us know ahead of time, as not all insurance companies are accepted by those states. Cost is around $40 a month.
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