Federally Required Protection
Primary Liability
Primary Liability insurance is the foundational coverage required by the FMCSA for all for-hire motor carriers. It protects against claims arising from bodily injury or property damage caused to third parties while your truck is operating under dispatch.
What's Covered
- Bodily injury to third parties
- Property damage to others
- Legal defense costs
- Court-ordered judgments
- Medical expenses for injured parties
What's Not Covered
- Damage to your own truck
- Cargo loss or damage
- Off-dispatch incidents (see Bobtail)
- Intentional acts
Typical Limits & Deductibles
General Freight (non-hazmat)$750,000 minimum
Hazardous Materials$1,000,000 – $5,000,000
Household Goods$300,000 minimum
Oil Transport$1,000,000 minimum