Insurance
The commercial insurance lines that brokers, shippers, lenders, and regulators ask trucking operators about. Each guide explains what a line covers, where the gaps sit, and what to ask a licensed agent. We do not publish premiums.
- GuideInsurance · Motor truck cargo
Do I need motor truck cargo insurance if FMCSA does not require it?
FMCSA does not require cargo insurance for general freight, yet carriers are liable for the load and brokers ask for it. How that fits.
Updated
- ComparisonInsurance · Occupational accident
Do owner-operators need occupational accident insurance or workers' compensation?
Occupational accident is a private policy for injured owner-operators. Workers' comp is a state system. How they differ and who decides.
Updated
- ComparisonInsurance · Bobtail and non-trucking liability
What is the difference between bobtail and non-trucking liability insurance?
Bobtail and non-trucking liability are different coverages for an owner-operator's tractor. What each usually answers, and what your lease must say.
Updated
- GuideInsurance · Primary auto liability
How does my trucking insurance get filed with FMCSA?
Who files your proof of insurance, what BMC-91, BMC-91X and MCS-90 each are, and what 49 CFR 387 says about timing and cancellation.
Updated
- GuideInsurance · Primary auto liability
What insurance does a new trucking company need?
What federal rules require a new trucking company to carry, what brokers and lenders commonly ask for on top, and who files what. No prices.
Updated