Primary auto liability
Public liability to satisfy FMCSA financial responsibility and broker/shipper contracts. Many accounts target $1,000,000 CSL even when the federal floor is $750,000.
Coverages
Markets and limits vary by radius, commodity, and loss history. This is the conversation we start with — not a promise of every market on every risk.
Public liability to satisfy FMCSA financial responsibility and broker/shipper contracts. Many accounts target $1,000,000 CSL even when the federal floor is $750,000.
Customer freight. Limits, unattended-vehicle rules, theft, and reefer breakdown wording matter as much as the dollar amount on the dec.
Your truck and trailers. Stated amount or ACV depending on the market. Lenders almost always require it.
When you are not hauling for a motor carrier. Leased-on operators often need this in addition to the motor carrier’s policy.
Premises and operations exposure that auto liability does not pick up. Common ask on terminal, yard, and some shipper contracts.
Non-owned trailers and chassis you pull under a written interchange or UIIA agreement at ports, rail yards, and terminals. The limit is usually set by the agreement you sign.
Extra cargo limit for one high-value load that sits above your standard motor truck cargo. Bought for that shipment, up to the value of the freight.
Cargo add-on for a refrigerated load lost to spoilage when the reefer unit or its power fails. Standard cargo wording often excludes that loss.
Medical, disability, and death benefits for a driver hurt on the job. Common for owner-operators and 1099 contractors. Employee drivers usually need workers compensation instead.
Extra limits stacked over primary auto, general liability, and workers compensation when a broker, shipper, or severe claim asks for more than the underlying policy.