Primary Liability Insurance for Commercial Trucks
Federally mandated coverage that pays for bodily injury and property damage you're legally responsible for while operating under your authority.
What it covers
- FMCSA filings (MCS-90, BMC-91X)
- $750K–$5M limits
- 24/7 certificates of insurance
Primary liability is the foundation of every commercial truck insurance policy. It pays for bodily injury and property damage your truck causes to others, and the FMCSA won't grant or keep your operating authority active without proof of it on file.
As an independent agency, we file your MCS-90 and BMC-91X directly with the FMCSA and shop multiple A-rated carriers to find the limit structure that fits your operation — from the federal $750,000 minimum up to $5 million for brokers and shippers that require more.
Who needs it
Every motor carrier operating under its own authority is federally required to carry primary liability. If you run under your own USDOT number, this is the coverage that keeps you legal — and keeps brokers and shippers willing to work with you.
Other coverage we write
Physical Damage
Repairs or replaces your tractor and trailer after a collision, theft, or fire.
Learn moreMotor Truck Cargo
Covers the freight in your trailer against damage, theft, and loss in transit.
Learn moreGeneral Liability
Protection when something happens off the truck — a fall at a dock, a claim at your yard.
Learn more