Coverage Guide
Trucking Insurance Coverage Guide
Understand the coverages you need for commercial trucking operations
Essential Coverage Types
Primary LiabilityRequired
FMCSA minimum $750K for interstate
FMCSA Minimum: $750,000
Cargo InsuranceRequired
Protects freight value
$2,500
Avg Annual
Physical Damage
Collision and comprehensive
$3,500
Avg Annual
Bobtail/Non-Trucking
Coverage without trailer
$800
Avg Annual
Trailer Interchange
Non-owned trailers
$1,200
Avg Annual
Uninsured Motorist
UM/UIM protection
$600
Avg Annual
Coverage Considerations
For Interstate Carriers
- • $750,000 minimum liability (non-hazmat)
- • $1,000,000+ for hazmat carriers
- • MCS-90 endorsement required
- • BOC-3 filing mandatory
For Owner-Operators
- • Occupational accident coverage
- • Non-trucking liability (bobtail)
- • Physical damage for your truck
- • Trailer interchange if needed