Trucking Insurance

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Trucking Insurance Information


American Truck Insurance offers many coverage options, and we can help you find the right policy to fit your business. To help you through the buying process, it is important to understand the basics of commercial truck insurance. There are four main types of coverage options offered by most commercial trucking insurance companies. This includes: primary liability, general liability, motor truck cargo, and non-trucking liability. Below is a brief definition of each of these four main types of insurance coverage.


This type of coverage is required by law in order to drive your commercial vehicle on the road. Primary liability is the most popular coverage offered by trucking insurance companies because it is mandatory for truckers to carry this insurance. It covers you for any injuries or damages your truck may cause while on the road. For instance, if you are driving and hit another car on the highway, this is what protects you and covers the cost of damage to the other car. $750,000 is the minimum amount of primary liability insurance required by law (FMCSA).


Should an accident occur that does not take place while you are on the road, behind the wheel, you will be covered by general liability insurance. Frequently Truckers ask:

“Why do I need General Liability?”

An example of General Liability Coverage is: It covers negligent actions of a driver while on the premises of others; loading docks, truck stops, etc. Another example would be the Loading and unloading; before it is picked up and after it is unloaded while being moved by a mechanical forklift. Learn more about general liability insurance.


Motor Truck Cargo Insurance protects the cargo load on your truck from loss or damage, and ensures that your cargo arrives at the appropriate destination in one piece. Although the law does not require all truckers to carry this type of commercial vehicle insurance, many of the companies who hire independent drivers to transport goods for them will request a certificate of cargo insurance from the trucking insurance companies to ensure their property is adequately protected.


The last main type of commercial truck insurance, non-trucking or “bobtail liability,” covers you when you are not under dispatch while under someone else’s authority and driving your truck for personal use. The standard liability insurance will not protect you against losses or damages that occur when the truck is not being used for business purposes, so non-trucking insurance is very beneficial to have. Many trucking insurance companies often use the terms bobtail liability and non-trucking liability insurance interchangeably, but it is important to note the differences between the two. Bobtail insurance covers a truck that is being driven without a trailer, for both work and personal use. Non-Trucking Liability covers the tractor portion of the truck when the driver is off duty, and coverage is in effect with or without a trailer attached.