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PRIMARY LIABILITY COVERAGE
Federally required protection for owner-operators and carriers hauling freight in interstate commerce. We find you the right limits at the most competitive rates.
Primary liability insurance is the foundation of every commercial trucking policy. It covers bodily injury and property damage you cause to third parties while operating your commercial motor vehicle — and it's required by the FMCSA for any carrier operating in interstate commerce.
What's Covered
- Bodily injury to third parties
- Property damage to third-party vehicles and structures
- Legal defense costs
- Court judgments and settlements
- Medical expenses for injured parties
Not Covered
- Damage to your own truck or trailer
- Cargo loss or damage
- Injuries to you or your employees
| Coverage Type | Typical Limit |
|---|---|
| General Freight | $750,000 |
| Hazardous Materials | $5,000,000 |
| Oil / Petroleum | $1,000,000 |
| Household Goods | $750,000 |
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MOTOR TRUCK CARGO COVERAGE
Covers the freight in your care, custody, and control. If the load is damaged, stolen, or lost — cargo insurance keeps you from paying out of pocket.
Motor truck cargo insurance protects the freight you're hauling against loss or damage while it's in your care. Shippers and brokers require it, and without it a single claim could wipe out months of earnings.
What's Covered
- Freight damage from accidents
- Cargo theft
- Fire and explosion damage
- Refrigeration breakdown (with endorsement)
- Loading and unloading damage
Not Covered
- Pre-existing cargo damage
- Contraband or illegal goods
- Certain high-value commodities without endorsement
| Coverage Type | Typical Limit |
|---|---|
| General Freight | $100,000 |
| High-Value Electronics | $250,000+ |
| Refrigerated Goods | $100,000 |
| Flatbed / Heavy Haul | $100,000+ |
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PHYSICAL DAMAGE COVERAGE
Collision and comprehensive coverage for your truck and trailer. When your equipment is down, your income stops — physical damage coverage gets you back on the road fast.
Physical damage insurance covers repair or replacement of your truck and trailer after an accident, theft, fire, or other covered event. For most owner-operators, their truck is their most valuable asset — and the one thing that keeps the money coming in.
What's Covered
- Collision damage to your truck
- Theft of your vehicle
- Fire, vandalism, and weather damage
- Trailer damage (with trailer coverage)
- Towing and labor costs
Not Covered
- Mechanical breakdown or wear and tear
- Cargo inside the truck
- Personal belongings in the cab
| Coverage Type | Typical Limit |
|---|---|
| Collision Coverage | Actual Cash Value |
| Comprehensive Coverage | Actual Cash Value |
| Stated Value Option | Agreed Amount |
| Trailer Interchange | Per Agreement |
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BOBTAIL COVERAGE
Protects you when you're driving your truck without a trailer — or for personal use outside of dispatch. Your motor carrier's insurance doesn't cover you then. Bobtail does.
Bobtail insurance (also called non-trucking liability) covers you when you're operating your truck outside the scope of your motor carrier's authority — such as driving home after a delivery, heading to a truck stop, or running personal errands. Most motor carrier policies only cover you while under dispatch.
What's Covered
- Driving without a trailer (bobtailing)
- Personal use of your truck
- Deadheading between loads
- Bodily injury and property damage to third parties
- Legal defense costs
Not Covered
- While under dispatch or hauling a load
- Damage to your own truck
- Cargo loss
| Coverage Type | Typical Limit |
|---|---|
| Bobtail Liability | $1,000,000 |
| Non-Trucking Liability | $1,000,000 |
| Deadhead Coverage | Included |
| Personal Use | Included |
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GENERAL LIABILITY COVERAGE
Covers your trucking business against claims that happen off the road — at a shipper's dock, in your office, or anywhere your business operations take you.
General liability insurance protects your trucking business from claims of bodily injury, property damage, and personal injury that occur in the course of your business operations — but aren't related to operating your truck. Many shippers and brokers now require it in addition to primary liability.
What's Covered
- Slip-and-fall injuries at your business location
- Property damage caused during loading/unloading
- Advertising injury claims
- Completed operations liability
- Legal defense and court costs
Not Covered
- Accidents while operating your truck (covered by primary liability)
- Employee injuries (covered by workers' comp)
- Professional errors or omissions
| Coverage Type | Typical Limit |
|---|---|
| Per Occurrence | $1,000,000 |
| General Aggregate | $2,000,000 |
| Products / Completed Ops | $1,000,000 |
| Personal & Advertising Injury | $1,000,000 |
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OCCUPATIONAL ACCIDENT COVERAGE
Owner-operators aren't covered by workers' compensation. Occupational accident insurance fills that gap — covering medical bills, disability income, and accidental death benefits if you're injured on the job.
As an independent owner-operator, you're not an employee — which means you're not covered by workers' compensation. Occupational accident insurance is the trucking industry's alternative, providing medical expense coverage, disability income replacement, and accidental death benefits if you're injured while working.
What's Covered
- Medical and hospital expenses from work injuries
- Temporary disability income replacement
- Permanent disability benefits
- Accidental death and dismemberment
- Survivor benefits for your family
Not Covered
- Illness or disease (not accident-related)
- Injuries from illegal activities
- Pre-existing conditions
| Coverage Type | Typical Limit |
|---|---|
| Medical Expense Benefit | Up to $1,000,000 |
| Accidental Death Benefit | Up to $500,000 |
| Temporary Total Disability | Up to $800/week |
| Permanent Total Disability | Up to $500,000 |
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