Primary Liability Coverage:

Primary Liability Insurance is a crucial component of any Commercial Truck Insurance Policy. It is a mandatory coverage for all commercial trucks, providing financial protection for bodily injury and property damages caused by your truck to others. Driving without this insurance can lead to substantial fines and penalties, so it is essential never to operate your truck without it.

The Federal Motor Carrier Safety Administration (FMCSA) sets the minimum requirements for primary liability insurance based on the Gross Vehicle Weight Rating (GVWR) of the truck. For trucks weighing over 10,000 pounds GVWR, the minimum coverage amounts are as follows:

$750,000– Most trucks hauling most commodities are required to have a minimum of $750,000 of coverage. Many load brokers will require a minimum of $1,000,000.

$1,000,000– Auto haulers need a minimum of $1,000,000 in coverage. One million in coverage is becoming an industry standard across other hauled commodities too.

$5,000,000– If you are hauling certain hazardous materials, you’ll need a minimum of $5,000,000 in coverage.

It's important to note that primary liability insurance does not cover you or your truck. It is specifically designed to protect against damages you may cause to others and their property. For coverage related to theft, bodily injury, or damage to your own truck, you'll need different types of insurance.

It's common for people to confuse Primary Liability Insurance with General Liability Insurance. The key difference is that General Liability Insurance covers accidents that occur off the road, such as someone slipping and falling at your headquarters. Primary liability insurance, on the other hand, only provides coverage while your truck is on the road.

The cost of Primary Liability Insurance is typically the most significant expense in a commercial truck insurance policy. To get the best rates, it is recommended to compare quotes from different truck insurance companies. Our service simplifies this process by allowing you to fill out one form, and we will connect you with three agents competing to offer you the most competitive prices for this coverage.