Trucking & Motor Carrier Insurance
Auto liability, cargo, and physical damage for for-hire and private carriers operating under DOT authority.
Who Needs It
- Owner-operators and fleets with USDOT/MC numbers
- Private carriers hauling their own goods interstate
- Hot-shot and last-mile operators
What It Covers
- Primary auto liability with federal filings (MCS-90, BMC-91X)
- Motor truck cargo
- Physical damage on tractors and trailers
- Non-trucking (bobtail) liability
- General liability for terminals and loading
- Trailer interchange
What It Does Not Cover
- Cargo theft from unattended vehicles without required security
- Unlisted drivers with poor MVRs
- Loads outside declared commodities or radius
- Reefer breakdown without the endorsement
Texas Notes
Texas intrastate carriers need TxDMV filings; interstate needs FMCSA. Houston and DFW logistics markets are competitive on rate but strict on driver MVRs and CSA scores.
Florida Notes
Port-related drayage in Miami, Tampa, and Jacksonville carries specific cargo and chassis requirements.
Trucking & Motor Carrier Insurance Questions We Hear Most
What does MCS-90 do?
It makes the insurer pay a federal-minimum judgment for public liability even if the policy would otherwise exclude it, then recover from you. It is a filing, not extra coverage.
Why did my cargo claim get denied?
Common reasons: load left unattended overnight, commodity not on the policy, or driver not listed. Read the cargo conditions before your first haul.
Related Coverage Guides
Get Trucking & Motor Carrier Insurance Quoted the Right Way
Two minutes on our Smart Intake. Check the Trucking & Motor Carrier Insurance box and we reveal only the underwriting questions that line needs, then a licensed Texas and Florida advisor compares 30+ carriers. No pressure, no runaround.
Start My Quote All coverage guides →This guide is general education from a licensed independent agency, not legal advice or a promise of coverage. Every policy is governed by its own forms, endorsements, limits, and exclusions. Ask us to review the actual form before you rely on it.