Commercial Trucking Insurance

For interstate carriers hauling general freight in a vehicle over 10,000 pounds, the FMCSA sets a federal minimum of $750,000 combined single limit. Haul hazmat and that number climbs to $1 million or $5 million depending on the commodity. But the federal minimum is rarely the number that gets you loads: most brokers and shippers require $1 million in liability by contract regardless of what the law technically requires. Texas intrastate limits are set separately from the federal number, and they're often lower, so knowing which rule actually governs your runs changes what you should be quoted. We ask where you're actually hauling before we quote a number, not after.

Cargo and bobtail cover what liability doesn't

The shipper's cargo policy protects the shipper, not you, and your liability for the freight follows the bill of lading regardless of whose fault a claim turns out to be. Most brokers won't even tender a load without at least $100,000 of motor truck cargo coverage on file, which makes it closer to a baseline than an option. Bobtail, or non-trucking liability, fills a separate and often-missed gap: primary liability only applies while you're operating under the motor carrier's authority, so personal use and deadhead miles between loads need their own coverage. We build owner-operator and fleet policies around primary liability, physical damage, cargo and bobtail together, so nothing sits uncovered between the four.

Primary liability, physical damage, cargo and bobtail for owner-operators and fleets. Se habla espanol, quote through claim.