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Trucking Auto Liability Insurance

What is Auto Liability Insurance coverage?

Auto liability insurance, or truck liability insurance, is mandated by law for trucking companies. It serves as a shield, protecting motor carriers from legal liabilities stemming from the ownership, maintenance, and use of insured vehicles. While the minimum coverage limit set by state and federal regulations (BMC-91 or BMC-91X) is $750,000, many freight brokerages and shippers often require a higher coverage of $1 million. This higher limit not only meets these requirements but also offers enhanced protection, especially since a single accident can result in claims surpassing these amounts. For example: your truck jackknifes and injures a car full of people and totals their car. We have bodily injury and third party property damage involved in this case.

Why Do You Need Auto Liability Insurance Coverage?

The primary advantage of this insurance is the financial safeguard it offers against potential claims and lawsuits. It covers both property damage and bodily injuries, ensuring peace of mind for trucking business owners. Beyond the basic coverage for owned vehicles, this insurance extends to employees’ personal vehicles used for company purposes. Additionally, Trailer Interchange Liability Insurance and Non-Owned Trailer Coverage are vital if your operations involve pulling trailers not owned by your company.

What are the requirements?

Auto Liability

To stay legal on the road, you are required to have primary trucking liability insurance as a minimum. This type of insurance covers injuries and damage that may occur to another driver and their vehicle in an accident. As a truck driver, your primary liability insurance must be at least $750,000 worth of coverage. However, most shippers & freight brokers will require $1,000,000 in Auto Liability Coverage.

Hired Auto

Non-owned Auto

Additional Insured & Waiver of Subrogation

Medical Payments (PIP Benefits)

Uninsured/Underinsured Motorist

Blanket Lessee

Auto Liability Insurance Coverage Considerations

For those transporting specific hazardous cargo, the FMCSA BMC-91/91X mandates a whopping $5 million in auto liability coverage. It’s also a wise move for all motor carriers to think about purchasing excess or umbrella policies for comprehensive risk management. Depending on your business model, you might also need HNO (Hired & Non-Owned) coverage, especially if you don’t own or have the vehicles titled to your company.

Additional Auto Liability Insurance Coverage Considerations

All Semi-Trucks

All Trailers

Dump Trucks

Box Trucks

Tow Trucks

Vehicles We Insure

Insurance Coverages We Offer

At Trucking Insurance Solutions, we assist trucking companies and haulers of all types, providing them with the best insurance rates along with the necessary compliance advice that comes with owning a trucking company. We firmly believe that experience, knowledge & negotiation is the key to successfully securing insurance coverage. We think outside of the box to craft solutions specific to your transportation operations. Terms are just as important as premium.

General Liability

Auto Liability

Physical Damage

Motor Truck Cargo

Workers Compensation

Umbrella/Excess

Bobtail & NTL

Pollution Liability

The coverages listed above are the main coverages we offer. There are over 30 endorsements we can add to your policy to enhance coverage. Click the button to learn more about specific coverages for your trucking operation, or email: Joshua@trucking-insurancesolutions.com

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Why Trucking Insurance Solutions?

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