Coverage Types
Explained
Every policy type in commercial trucking — what it covers, who needs it, and what it costs.
Commercial truck insurance isn't one policy — it's a collection of distinct coverage types that each protect against a specific set of risks. Understanding what each coverage does (and doesn't do) is essential before buying a policy or comparing quotes. Below is a complete breakdown of every major commercial trucking coverage type.
How Much Commercial Truck Insurance Do You Actually Need?
The minimum is rarely enough. FMCSA requires $750,000 in primary liability, but most freight brokers require $1,000,000 on your certificate of insurance before they'll dispatch a load. Beyond liability, the coverages you need depend on whether you own your equipment, haul freight for others, operate under your own authority, or are leased to a carrier.
Use the estimator on the homepage for a quick premium range, then read the coverage guides above to understand exactly what's included and excluded in the policy you're quoting.