Commercial auto liability, also known as primary liability,  is mandatory for all types of commercial trucks. This coverage will pay for both bodily injury and property damage that your truck may cause to other property or people. It is illegal to drive a commercial truck without liability insurance. Doing so could result in large penalties and fines. This coverage will not cover damage to your own truck nor your injuries.

What is Required?

The FMCSA sets the minimum limits of auto liability for interstate trucks. For trucks weighing over 10,000 lbs GVW you’ll need to meet or exceed these minimum requirements:

  • $750,000  This is the limit requires for hauling most commodities. Many load brokers will require a higher limit, often $1,000,000.
  • $1,000,000  Auto haulers require a minimum of $1,000,000
  • $5,000,000  Certain hazardous materials require you to carry this limit of coverage

The primary liability (commercial auto liability) is normally the most costly part of your truck insurance policy. Your rates will be determined by many factors including: your driving experience, your driving record, your length of time in business, where you are going, what you are hauling, your loss experience and even your credit score.  It’s important to talk to an agent who is asking you about all of these things to make sure you are getting the best rate available. Find an agent who can shop with a variety of insurance companies to find the best coverage with a competitive price.