Trucking primary liability insurance.
Primary liability is the core auto liability coverage every motor carrier needs, and it is tied to the federal filing that activates and maintains your operating authority.
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What it covers
Primary liability responds when your truck causes injury or property damage to others on the road. For a motor carrier, it is the foundation of the program and the coverage your authority depends on, since the FMCSA requires proof of it on file before you can operate for hire.
Federal minimums and what you haul
Federal financial-responsibility minimums apply to for-hire carriers and vary by commodity, with higher minimums for certain hazardous materials. Many shippers and brokers require more than the federal minimum by contract. We confirm your limit meets both the federal requirement and your contracts. Verify current FMCSA minimums directly, as they are set by regulation.
The filing connection
Primary liability is linked to the FMCSA filing (commonly the BMC-91 or 91X) that activates authority, and the coverage and filing have to stay in force together. A lapse can jeopardize your authority. We coordinate the coverage and the filing.
Common questions.
What is trucking primary liability?
What are the federal liability minimums?
Does my liability filing activate my authority?
Is this coverage right on your policy?
Tell us how you operate and we will check this coverage against your authority, cargo, and contracts. Educational, no obligation.
Get primary liability and the filing right.
Tell us your operation and contracts and we will make sure your liability and filing line up.