Auto Liability Insurance for Trucking Fleets
The one coverage every motor carrier needs before the wheels turn. Required by FMCSA, enforced by law, and the foundation of your entire insurance program.
What's Actually Protected
Bodily Injury
If your driver causes an accident and someone is hurt, auto liability pays their medical bills, lost wages, rehabilitation, and legal claims against your company.
Property Damage
When your truck damages another vehicle, a guardrail, a building, or cargo belonging to others, auto liability covers the repair or replacement costs.
Legal Defense
Even if a claim is disputed, your policy covers attorney fees, court costs, and settlements — whether you're at fault or just named in the suit.
What the Law Requires
The Federal Motor Carrier Safety Administration sets minimum liability coverage for every registered motor carrier. Here's what you need based on your operation type.
Most carriers should carry more than the minimum. A single serious accident can exceed $750,000 in damages. We'll help you find the right coverage level for your risk profile.
We handle your BMC-91 filing. This is the form your insurance company files with the FMCSA to prove you carry the required liability coverage. Without an active BMC-91 on file, your operating authority can be revoked. It's included in our service for every client.
Why Your Rate Is What It Is
Auto liability pricing isn't random. Here are the factors carriers use to determine your premium.
Years in Business
New authority carriers pay more. The first 2-3 years are the highest risk period in a carrier's life.
Driving History & CSA Scores
Violations, crashes, and inspections on your FMCSA record directly impact what carriers will charge — or whether they'll quote at all.
Radius of Operation
Local and regional operations cost less than long-haul. The more miles, the more exposure.
Cargo Type
Hauling hazmat, oversized loads, or high-value freight means higher premiums than dry van or reefer.
Fleet Size
Larger fleets can access volume pricing and different carrier tiers.
Driver Experience
CDL tenure, MVR records, and training history all factor into your rate.
Equipment Age
Newer trucks with modern safety features can earn better rates.
Loss History
Prior claims follow your company. A clean 3-year loss run is the single best thing for your rate.
Why It Matters Who Places This
Auto liability is the most important line on your policy. Who you trust to place it matters.
We access 300+ carriers. We submit to the right ones.
Through our market network, your fleet has access to over 300 carriers. But we don't submit everywhere and hope for the best. We know which carriers have appetite for your specific operation — your cargo type, your radius, your experience level — and we go there first.
We know which carriers want your risk.
New authority? Specific carriers actively write it. Hazmat? Different set entirely. Owner-operator? Another list. We don't waste your time submitting to carriers that won't quote you.
We handle the paperwork.
BMC-91 filings, certificates of insurance, driver additions, equipment changes — we manage it all so you can manage your fleet.
We fight at renewal.
When your carrier tries to non-renew or raise your rate, we have options. We're not captive to one company. We go back to market and find you a better deal.
Common Questions About Trucking Auto Liability
Get Your Auto Liability Quote
Tell us about your fleet. We'll show you what the market can do.
(510) 270-8141