Who needs it
Every for-hire motor carrier operating in the U.S. — from a single owner-operator to large fleets.
What it covers
- Bodily injury to third parties
- Property damage to others
- Legal defense costs
- Federal MCS-90 endorsement available
Common claim examples
- Your driver rear-ends a passenger vehicle on I-40 — medical bills and vehicle damage are covered.
- A jackknife incident damages the highway guardrail and a parked car.
FAQs
- What limits do I need?
- FMCSA minimums range from $750,000 to $5,000,000 depending on what you haul. Most shippers and brokers require $1,000,000.
- Does it cover my own truck?
- No — that's Physical Damage. Auto Liability only pays for damage you cause to others.