Trucking & Logistics Insurance
Commercial Auto Insurance
for Trucking & Logistics
Commercial auto is the most critical coverage for any trucking operation. It covers your tractors, trailers, and other commercial vehicles for liability and physical damage — and must meet FMCSA minimum limits for interstate haulers. Without it, a serious accident can put your entire operation out of business.
Industry-Specific Insight
Why Trucking & Logistics Businesses Need Commercial Auto Insurance
Commercial auto is the most critical coverage for any trucking operation. It covers your tractors, trailers, and other commercial vehicles for liability and physical damage — and must meet FMCSA minimum limits for interstate haulers. Without it, a serious accident can put your entire operation out of business.
Coverage Details
What Commercial Auto Insurance Covers
Key protections included in a commercial auto policy for trucking & logistics operations.
FAQs
Common Questions from Trucking & Logistics Businesses
What FMCSA liability limits are required for truckers?
Interstate carriers transporting general freight need a minimum of $750,000 in liability. Hazmat haulers need $1–5 million depending on the commodity. We help you meet all federal requirements.
Does commercial auto cover cargo in the truck?
No. Commercial auto covers the vehicle itself and third-party liability from accidents. Cargo coverage is separate and covers the goods being transported.
Can't I just use my personal auto policy for a work vehicle?
If a vehicle is primarily used for business, most personal auto policies will deny claims that arise from business use. Even vehicles that are also used personally should be covered under a commercial policy if they're regularly used for work. A licensed agent can help clarify where the line is.
What is hired and non-owned auto liability?
If your employees rent vehicles while traveling for work, or drive their personal cars for business errands, your business could be liable if an accident occurs. Hired and non-owned auto (HNOA) coverage fills that gap.
Complete Coverage
Other Coverages Trucking & Logistics Businesses Commonly Need
A complete protection plan for trucking & logistics operations typically includes several complementary coverages.
Trucking & Logistics · Commercial Auto
Get Commercial Auto Coverage for Your Trucking & Logistics Business
Our licensed agents specialize in trucking & logistics insurance. We compare options from 96+ carriers to find the right commercial auto coverage at a competitive price.