Coverage
Coverage lines we place for motor carriers
A motor carrier policy is a stack of coverage parts — each with its own limits, deductibles, filings, and underwriting drivers. This index lists every coverage line we place for trucking operations.
The motor carriers we work with rarely buy a single policy. They buy a set of coverage parts that have to interact correctly at the moment of loss — primary auto liability carrying the BMC-91 filing, motor truck cargo answering the bill of lading, physical damage settling the equipment, non-trucking liability filling the off-dispatch gap, and so on. Knowing how the parts stack is most of the underwriting conversation.
Each of the 8 pages below explains what the coverage actually pays for, the filings or endorsements that attach to it, and the underwriting questions that move pricing at quote and renewal. Click through to the coverage line you want to read about.
Coverage lines we place
Trucking Auto Liability
Primary liability coverage for bodily injury and property damage caused by your truck while under dispatch.
Learn more →Physical Damage
Collision and comprehensive coverage for the tractor, trailer, and attached equipment you own or finance.
Learn more →Motor Truck Cargo
Coverage for the freight you haul against loss or damage in transit.
Learn more →Trailer Interchange
Coverage for non-owned trailers you pull under written interchange agreements.
Learn more →General Liability
Coverage for premises and operations liability away from the truck — terminal yards, customer docks, and non-driving exposures.
Learn more →Workers Compensation
Statutory coverage for driver and yard-employee injury, structured for trucking payrolls and interstate operations.
Learn more →Non-Trucking (Bobtail) Auto Liability
Liability coverage for the tractor when operated off-dispatch — bobtailing home or running personal errands.
Learn more →Pollution Liability
Coverage for cargo-related pollution events and upset/overturn spills not covered by standard auto liability.
Learn more →Looking for something else?
- Looking for a service class instead? See all 14 motor carrier classes →
- Need a state-specific page? See all 48 states we serve →
Get a trucking insurance quote
Send the basics on your authority, equipment, commodity, and lane mix. We will pull the panel of markets quoting your class and walk you through the coverage stack before you bind.