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Learn Center

Individual Owner/Operator & Fleet Trucking Insurance
We advise you to review each and every coverage carefully you choose to protect you and your business so that you fully understand the extent of coverage and your responsibilities under the policy. If you have any questions on the coverage format or policy you should forward your questions to us, who either answer the questions or present them to the insurance company for a response.

1. Primary Liability

Auto liability insurance protects your company from damage or injuries to other people and property as a result of truck accidents.
A required limit of $750,000 is generally needed for policy limits for trucks over 10,000 gross vehicle weight (GVW) . This limit is set by the FHWA on interstate travel and is usually matched by the various states.
This coverage is mandated by the State and Federal agencies, which requires proof of insurance documents to be sent to them.
Interstate truckers will need the MCS90, the BMC91x and the appropriate state form endorsements, which extend coverage to the regulatory agencies.

2. Non – Trucking Liability Insurance

Non-Trucking Liability (NTL) insurance provide coverage in case you cause an accident while you are using your vehicle for non-business or personal use other than transporting goods or merchandise.
Non-Trucking Liability coverage does not apply when you are pulling a loaded trailer, operating on behalf of a motor carrier/ leasing company, or using a vehicle for any revenue generating purpose. These types of activities are covered by Primary Liability coverage. If a motor carrier is providing your primary liability coverage, their coverage will not apply when you are not under dispatch and you will need non-trucking liability coverage.
Non-trucking liability provides protection for:
(1). The owner – operator for liability when driving tractor while not in the business of trucking
(2). The motor carrier from liability when a permanently leased contact driver is not under dispatch.

3. Physical Damage Coverage

This type of policy provides actual cash value protection (or stated value, whichever is less) to an insured’s equipment in the event of an accident. It is important that you accurately value your equipment.
This coverage is the collision & comprehensive coverage for your truck and trailer. This coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles.

4. Motor Truck Cargo Coverage

Motor Truck Cargo insurance protects the transporter for his responsibility in the event of damaged or lost freight. The policy purchased with a maximum load limit per vehicle and for fleets there will usually be catastrophe and or/terminal limits.
Cargo is the trickiest coverage a trucker will buy. This insurance policy, without question, requires careful thought and evaluation prior to purchasing. In addition, you need to be constantly evaluating your loads to make sure the coverage meets your needs.
Reefer Breakdown coverage: 10 years

5. Contingent Cargo Legal Liability Insurance for

The coverage of contingent Cargo Legal Liability is designed to protect a transportation broker or freight forwarder against the liability assumed when making arrangements to move cargo for others.

Contingent Cargo Legal Liability provides coverage when a trucker's primary motor truck cargo policy fails to assume the responsibility for cargo loss or damage.

These policies respond to the legal Liability that

Transportation brokers and freight forwarders

Assume under law.


Contingent Cargo

$100,000 Any One Occurrence (up to $500,000 optional

$1,000 deductible ($2,500 optional)

Reefer Break down coverage available as well

6. Commercial General Liability

Commercial General Liability protects your against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations as well as advertising and personal injury liability. General Liability can be purchased in conjunction with Primary Liability at substantial savings on your premium.

7. Personal Accident Indemnity Plan

Benefits are payable for a covered person’s death dismemberment, or injury caused by a covered accident that occurs on or off the job.
• Emergency Treatment
• Follow-Up Treatment
• Initial Hospitalization
• Hospital Confinement
• Physical Therapy
• Accident- Death

• Wellness
• Plus…Much more

8. Accident Insurance

Truckers Occupational Accident Insurance pays benefits for injures sustained in a covered accident. The accident must be during the course of Occupational Accident Insurance is crucial in the trucking industry, which depends heavily on owner-operators who own their own rigs and lease their services to motor carriers.

Covers: Owner- Operators, Co-Drivers, Contract-Drivers, Team Drivers

9. workers compensation Trucker Occupational

Worker’s compensation law is governed by statutes in every state. Specific laws vary with each jurisdiction, but key feature are consistent. An employee is automatically entitled to receive certain benefits when he or she suffers an occupational disease or accidental personal injury arising out of and in the course of employment.

A critical difference between worker’s Comp coverage and Occupational Accident polies is that under Work’s Comp Medical Expense are unlimited regardless of how many years the recovery and /or rehabilitation might take. Occ. Acc has a specified Annual Limits for Medical Expenses.

If you have any questions about above coverage, please call us at 626-572-6966 or email us at info@insuranceforsafety.com.