What a carrier should know before a claim, a renewal, or new authority.

Coverage, cost, authority and filings, bobtail, the MCS-90, cargo, and broker requirements. Organized by topic, written and reviewed by Richard Sweet. New here? Start with the glossary.

Guides

Start-to-finish walkthroughs of trucking coverage, authority, and filings.

Guides

New Authority Trucking Insurance, Explained

Getting your own authority means coverage, FMCSA filings, and timing that all have to line up before you can haul. What new carriers need and why year one costs the most.

Guides

What Insurance Does a Trucking Company Need?

A plain-language checklist of trucking coverages: primary liability, motor truck cargo, physical damage, bobtail, general liability, workers comp, umbrella, and the FMCSA filings, and how it changes by operation.

Cost and pricing

What drives trucking premiums, and where you can actually save.

Cost and pricing

How Much Does Trucking Insurance Cost?

Trucking insurance cost is driven by authority, radius, cargo, driver records, units, and loss history. Here is what moves the number and what you can control.

Coverage explained

Plain-language breakdowns of the coverages a motor carrier depends on.

Coverage explained

What Is Non-Trucking Liability and Bobtail Coverage?

When a leased owner-operator drives off dispatch, the motor carrier's policy generally stops covering them. How bobtail and non-trucking liability fill that gap.

Common questions

Straight answers to what carriers ask us most, on bobtail, MCS-90, and contracts.

Common questions

Trucking Insurance Requirements for Brokers and Shippers

Brokers and shippers hand carriers insurance requirements: liability and cargo limits, additional insured, and filings. How to make sure your coverage actually meets them before you haul.

Common questions

What Is an MCS-90, and Does It Mean You're Covered?

The MCS-90 is a federally required endorsement that guarantees payment to the public, not coverage for your business. Why treating it as full coverage is a costly mistake.

Problems and gaps

Where trucking coverage quietly fails, and how to catch it first.

Problems and gaps

Does Motor Truck Cargo Cover Everything You Haul?

Motor truck cargo has commodity limits and exclusions, and reefer, auto-hauling, and high-value loads are common gaps. Why a cargo claim gets denied and how to avoid it.

Comparisons

This versus that, so you can decide without second-guessing it later.

Comparisons

Reefer Breakdown vs Motor Truck Cargo: What's the Difference?

Standard cargo coverage often excludes spoilage from a refrigeration failure. How reefer breakdown coverage works with cargo, and the conditions that decide a claim.

Compare your coverage

It's not a quote. It's a coverage review.

Answer eight quick questions about your operation and authority and get a clear, educational read on where your program may have gaps. No pressure, no obligation.

Compare your coverage Or just get a quote

We match coverage to your operation and authority

We check cargo, radius, and filing requirements

We line up liability, cargo, and physical damage

You get a clear read on where your program stands