COVERAGE

Auto Liability

Primary auto liability for motor carriers — bodily injury and property damage caused to others while operating your commercial vehicles.

Limits & options

Federal minimum$750K (general freight)

Common limit$1M combined single limit

Available limitsUp to $5M primary

Hazmat minimum$1M – $5M (commodity-driven)

What's covered

01
Bodily injury
Medical costs, pain and suffering, and legal liability for injuries you cause to others in an accident.
02
Property damage
Damage to vehicles, structures, or other property caused while operating a covered truck.
03
Defense costs
Attorney fees, expert witnesses, and court costs to defend a covered claim.
04
MCS-90 endorsement
Federal endorsement guaranteeing payment to injured third parties for interstate motor carriers.

Who needs it

Interstate motor carriersIntrastate trucking operationsOwner-operators with own authoritySpecialty haulersNew ventures and authorities

FAQ

$750K for general freight, $1M for oil transport, and $5M for hazardous materials. Most shippers and brokers require $1M as a contractual minimum regardless of commodity.

No. MCS-90 is a federal endorsement that provides a separate guarantee of payment to injured third parties, regardless of coverage disputes under the underlying policy. It doesn’t replace standard auto liability.

Liability follows the power unit. Damage to the trailer itself is covered under physical damage, not auto liability.

Get a quote

COVERAGES/TRUCKING

Auto Liability

Primary auto liability for motor carriers — bodily injury and property damage caused to others while operating your commercial vehicles.

WHAT’S COVERED

01Bodily injuryMedical costs, pain and suffering, and legal liability for injuries you cause to others in an accident.
02Property damageDamage to vehicles, structures, or other property caused while operating a covered truck.
03Defense costsAttorney fees, expert witnesses, and court costs to defend a covered claim.
04MCS-90 endorsementFederal endorsement guaranteeing payment to injured third parties for interstate motor carriers.

WHO NEEDS IT

Interstate motor carriersIntrastate trucking operationsOwner-operators with own authoritySpecialty haulersNew ventures and authorities

FAQ

$750K for general freight, $1M for oil transport, and $5M for hazardous materials. Most shippers and brokers require $1M as a contractual minimum regardless of commodity.

Liability follows the power unit. Damage to the trailer itself is covered under physical damage, not auto liability.