Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
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Trucking & Motor Carrier
Primary liability, physical damage and cargo cover for motor carriers.
What this cover does
Motor carriers operate under federal filing requirements with minimum liability limits set by commodity and vehicle weight. Cover has to satisfy those filings and the contracts shippers and brokers impose, which are frequently stricter.
Typically included
- Primary auto liability meeting federal filing minimums
- Physical damage on tractors and trailers
- Motor truck cargo cover for the freight you carry
- Non-trucking liability for off-dispatch use
- Trailer interchange and on-hook cover
- General liability for terminal and yard operations
Common add-ons
- Occupational accident cover for owner-operators
- Refrigeration breakdown on reefer loads
- Higher cargo limits for high-value freight
- Excess liability above the primary limit
Questions
What people ask about trucking
What filing do I need?
It depends on authority, commodity and weight — commonly a federal filing evidencing the required liability limit, plus any state filings for intrastate work. We handle the filing with the carrier.
Is cargo included in liability?
No. Auto liability covers harm to others. The freight itself needs motor truck cargo cover, written to a limit matching your heaviest typical load.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Trucking & Motor Carrier
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.