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We provide you with the guidance you need to make important decisions regarding the safety and protection of your most valuable assets – your business, your trucking equipment, and your personal health.

Our professionals are educated and trained in the trucking industry and have the experience and expertise necessary to help you get the proper protection within the most cost-effective budget.

In case of an unforeseen event, our claims agents are here to help take the burden away, so you can keep the grip on running the business.

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Limits FAQ

Auto Liability

The Federal Motor Carrier Safety Administration requires all trucking and transportation companies to carry a minimum limit of liability coverage. The limits vary depending on the class of vehicle hauling freight or passengers. For example, if you are operating trucks over 10,000 GVWR, then you will need to carry a minimum of $750,000 liability limit. Carriers transporting hazardous materials must be covered for $1,000,000; hotshots transporting automobiles fall into this category as well. 


Cargo Liability Insurance provides coverage against all risks of physical loss or damage to freight during the shipment from any external cause during shipping. For general freight motor carriers, it is common to keep a $100,000 limit, while for car haulers it depends on the trailer capacity, varying from $150,000 to $250,000 for hotshots. 

Bobtail with Physical Damage

Usually requested by a lender to cover the value of the loan (the truck value). This policy covers when there is no trailer attached, for example when the driver drives home in his tractor after dropping off a load and the trailer. These are coverages that the owner of the truck must carry in order to protect the truck.

Non-Owned Trailers/Trailer Interchange (optional)

Power-only carriers focus on drop-and-hook loads which imply hauling "other people" trailers. In order to qualify for these types of loads, brokers and shippers require their equipment to be covered under Non-Owned Trailers or Trailer Interchange insurance. Common limits start at $50,000 and could go up to $70,000 when working with the big boys.

General Liability (optional)

It covers common small business risks like customer injury, customer property damage, and advertising injury. It protects the business against lawsuits and judgments arising out of various situations not covered by Auto Liability.

General liability policies commonly provide limits of 1 million per occurrence with 2 million aggregate limit. This means that you have a maximum of 1 million dollars of coverage for each individual claim with a maximum of 2 million dollars of potential coverage for the policy period.

General Liability Claims

A few examples of claims that could be covered by General Liability Insurance include:

  • A vendor slips and falls in a terminal resulting in bodily injury
  • A driver jumps on a forklift to help unload and damages another trailer
  • Company is sued for slander for accusations against a competitor
  • Company mistakenly uses the logo or slogan of another trademarked brand and is sued
  • Fuel hauler mistakenly delivers fuel into the wrong tanks resulting in engine damage to several vehicles.
Reefer Breakdown (optional)

Needed for reefers since refrigerated goods need special protection and come with a higher risk than certain other types of cargo. It is common to match the same limit as your Cargo coverage.