Auto liability
For the road ahead.
Helps protect against covered bodily injury and property damage claims arising from use of an insured vehicle.
What we look at
Review limits, covered drivers, operating territory and any required filings.
Truck insurance coverage.
Know what’s riding with you.
The right insurance starts with your operation. Here are the building blocks we can discuss together.
Get my trucking quote ↗Physical damage
For the equipment you rely on.
Collision and comprehensive or specified causes of loss can help protect insured trucks and trailers against covered damage.
What we look at
Review vehicle values, deductibles, valuation terms and lender requirements.
Motor truck cargo
For the freight in your care.
Can help with covered loss or damage to freight you transport, subject to your policy’s terms.
What we look at
Review commodities, maximum load values, theft restrictions and refrigeration breakdown if relevant.
Trailer interchange
For trailers you don’t own.
May cover your responsibility for physical damage to non-owned trailers under a qualifying interchange agreement.
What we look at
Review your agreements, trailer values and whether non-owned trailer coverage is needed instead.
General liability
For business beyond driving.
Can address certain covered business liability exposures outside the use of an insured auto.
What we look at
Review your contracts, premises and loading or unloading exposures with your agent.
Non-trucking liability
For eligible leased operators.
May cover certain non-business use of a truck leased to a motor carrier. It is not a replacement for primary auto liability.
What we look at
Review the lease and policy definitions. Non-trucking liability and bobtail coverage are not automatically interchangeable.
Need a broader review?
Ask about workers’ compensation, excess liability and other business coverage needs. Filings, limits and contract requirements depend on your operation; our team can help you identify what needs to be reviewed.
Your authority.
Your lease. Your coverage.
Owning a truck does not tell the whole insurance story. Start with who holds the operating authority and which responsibilities your contracts assign to you.
Operating under your own authority
Bring your DOT/MC information, garaging address, routes, cargo and customer insurance requirements. We can review primary auto liability, physical damage and cargo options together, along with the filings and other coverage your operation may need.
For a new authority, tell us your planned start date and driving experience. Eligibility depends on the insurer and the full submission. Requesting a quote does not activate your authority or confirm coverage.
Leased to another motor carrier
Start with the lease and the carrier’s insurance documents. Identify when the carrier’s protection applies, what you must arrange, and who is responsible for deductibles or damage to your equipment.
Non-trucking liability, bobtail terminology and physical damage address different questions. Explain when and how you use the truck outside dispatched work so the policy wording can be checked against that use.
Example: an empty trailer does not settle the question.
Driving without a load can still be business use. When reviewing non-trucking liability, discuss the purpose of the trip and the actual policy definition instead of assuming that “empty” means covered.
Insurance requirements.
Three things to check.
A regulatory minimum, a customer’s contract and the protection your business chooses can be different. Review each before accepting a proposal.
Federal filings
FMCSA requirements depend on authority, vehicle and cargo. For example, its chart lists a $750,000 bodily injury and property damage minimum for non-hazardous for-hire property carriers with vehicles of 10,001 pounds GVWR or more. Other operations can have different requirements.
Check FMCSA’s filing chart ↗California permits
California’s Motor Carrier Permit process has its own proof-of-insurance requirements. DMV lists the MC 65 M certificate as one accepted form. Review the permit requirements for your specific operation and confirm that the required evidence has been filed.
Check California DMV guidance ↗Broker & shipper contracts
A contract may ask for higher limits or additional coverage. Bring the actual requirements, including cargo values, trailer responsibilities and requested endorsements. Match the proposal to those documents before you commit.
Have our team review the details ↗Does a federal cargo filing rule tell me how much cargo insurance to buy?
No. FMCSA’s chart lists no federal cargo insurance filing requirement for general non-hazardous for-hire property carriers, while household goods carriers have a cargo requirement. That does not resolve your contractual obligations or your exposure to a lost load. Review the commodities, maximum load value and policy restrictions separately.
Does a certificate of insurance change my coverage?
A certificate is evidence of insurance; it does not replace the policy or automatically add requested terms. Have your agent check the policy and any required endorsements against the contract.
Your trucking insurance
renewal checklist.
✓ Liability and cargo limits
✓ Deductibles and vehicle values
✓ Driver and vehicle schedules
✓ Cargo exclusions and restrictions
✓ Radius and operating territory
✓ Total cost and payment terms
Availability varies by insurer, state and underwriting. This guide is general information. Your actual policy controls coverage.
Three details worth
a closer look.
Cargo limits & exclusions
A cargo limit alone does not tell you whether your actual freight is covered. Review your commodities, highest load value, theft conditions, unattended vehicle restrictions and any temperature-control requirements.
Deductibles & vehicle values
Compare the deductible and valuation terms for every scheduled truck and trailer. Check how the policy determines the amount payable for a covered loss, and keep vehicle values and lender requirements current.
Claims & open reserves
For a renewal submission, request current loss runs. If a claim has an open reserve or changed status, an updated report and factual explanation can help present an accurate picture. A correction does not guarantee a lower premium.
Get your quote submission ready
Prepare current declarations, driver and vehicle schedules, loss runs, DOT/MC information, renewal date, cargo details and insurance requirements from your contracts. Use our trucking quote request to begin; our team will explain which documents are needed next.
Official resources for your operation
Check FMCSA insurance filing requirements for federal guidance. Requirements depend on your operation. For general coverage background, see Progressive Commercial’s truck coverage guide. These references do not establish your eligibility or replace your policy.