Trucking / motor carrier insurance
InsuranceFinder coverage guide · Updated September 2026
Trucking and motor carrier insurance commonly covers primary auto liability, motor truck cargo, non-trucking liability (bobtail), physical damage, and federal or state filing needs for owned or leased trucks — when those parts are on the form. What is required for a given authority, radius, and cargo still depends on the regulations and the contract.
Trucking / motor carrier coverage breakdown
Motor carrier programs often stack several coverages. Limits and endorsements decide what responds.
Bodily injury and property damage liability for covered power units in commercial use, subject to the policy limits and any MCS-90 or state filing endorsements when required.
Damage to cargo you haul for others when cargo coverage is purchased — limits, commodities, and theft rules vary by form.
Collision and comprehensive (or specified perils) on scheduled trucks and trailers when those coverages are bought for the unit.
Liability while operating without a trailer or outside dispatch, when that endorsement or policy is included — not automatic on every program.
Who typically uses trucking / motor carrier insurance
These programs are typically carried by for-hire carriers, owner-operators, and fleets that need liability and often cargo cover to move freight. Private fleets may use commercial auto instead of a full motor-carrier program. Authority type, radius, and commodity drive the form — the contract and filings decide.
Unlisted drivers, radius beyond the schedule, and excluded commodities can create gaps. Trailer interchange, refrigerated breakdown, and certain theft losses may need special wording. Personal use and non-trucking exposures are often limited unless endorsed. Education only — not advice to buy.
Agencies specializing in trucking / motor carrier insurance
Independent agencies published in our database. Open a profile for license details and state DOI links.