Auto Liability (trucks)

If you’re an independent semi truck driver, you must have a commercial automobile liability policy for every truck you operate. If you own a trucking firm engaged in the business of transporting products, you also must have a policy for every truck you operate. This is usually the most costly portion of any trucking company’s insurance policy.

If you or one of your drivers is responsible for an accident that injures another person or damages their property, that person can file a claim with your insurance company. Coverage limits can be tailored to meet your needs.

All motor carriers are required by FMCSA regulations to carry this policy to protect the general public from any damages caused by an insured unit. The limits of coverage that are required under different circumstances for all those trucking companies operating as global carriers can be found in 49 CFR part 387.303.

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    Besides tailoring your auto liability coverage to satisfy your unique needs, we can provide two endorsements to your policy that are very popular. Read the sections below to learn more.

    Reporting Policy Options

    Monthly payments could be especially helpful in handling budgets and assisting with cash flow problems. After determining a yearly premium based on your own trucking operations, we could break your premium into monthly payments based on gross earnings, mileage, or the worth of your equipment. The following are based on having liability and physical damage coverage:
    • Gross revenue method. Your premium rate calculation relies on the projected annual gross revenue. Your monthly payments are represented by actual monthly revenue activity.
    • Mileage method. Your premium rate calculation is based on the projected annual mileage. The amount of laden and unladen mileage set on all insured units per month determines what you pay. The monthly premium reflects real monthly mileage versus an estimate.
    • Per unit method. Your premium is determined by reporting the real number of revenue-generating energy units in operation during the month.

    Commercial Auto Extension

    Your auto liability coverage may not cover exposures you assume under financing, lease agreement, or contract. Several varieties of contracts and agreements are not insured contracts and may expose you to unwanted legal action. There are two kinds of common agreements that are normally excluded from your auto liability policy:
    • A contract or agreement you sign when trip leasing to another trucker; the provisions require you to provide primary liability insurance.
    • A contract or arrangement for the loan, lease, or rental of an auto; the provisions require you to hold the lessor harmless for any liability loss.

    We can offer blanket coverage for both of these types of contracts by including a commercial automobile extension endorsement to your auto liability insurance policy.

    COMMERCIAL TRUCK INSURANCE FOR

    Trucks of All Sizes

    • Auto Haulers
    • Box Trucks
    • Container Haulers
    • Dump Trucks
    • Flatbed Trailers
    • Flatbed Trucks
    • Front Loaders
    • Garbage Trucks
    • Pickup Trucks
    • Semi Trucks
    • Tank Trucks
    • Tractors

    And many more…

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