Commercial auto insurance for trucking operations
Start with liability for injuries or property damage to others, then build around your trucks, freight, drivers, and operating requirements.
Who this is for
Owner-operators, small fleets, and new authority that needs filings before the first load
Separate review
Cargo, your equipment, leased operations, and filings
Start with
Business details, vehicles, drivers, freight, and routes
What primary liability does
Primary auto liability can respond when your trucking operation is legally responsible for covered bodily injury or damage to someone else's property. It does not, by itself, insure your freight or repair your own truck.
Supreme reviews how you operate, not just the vehicle type. Your authority, lease arrangements, freight, radius, drivers, and customer contracts all help determine which coverage and filings to request.
What sits next to primary liability
Common questions
Is trucking commercial auto the same as generic commercial auto?
Trucking operations need a policy reviewed for their vehicles, operating radius, dispatch arrangements, and applicable filings. We help you compare those details alongside cargo and physical damage coverage.
Does primary liability include cargo or damage to my truck?
Not by itself. Primary auto liability addresses covered injuries or property damage to others. Cargo and physical damage protect different exposures and need separate review in your quote.
Who needs this coverage?
Carriers operating under their own authority need coverage suited to their operation and applicable requirements. If you lease to another carrier, review the lease and that carrier's coverage before deciding what you must arrange separately.
How does the quote start?
Share your DOT number if available, truck and driver details, freight, routes, and desired start date. You can also begin before a DOT number is issued and explain that you are preparing a new operation.
Coverage and filings are different decisions
The legal minimum is not the whole contract
Federal requirements vary by authority, vehicle, and cargo. State rules and customer contracts can add other requirements. Share the actual contract rather than assuming one limit works for every operation.
Confirm the filing and effective date
Where required, an insurer or financial-responsibility provider files proof with FMCSA. An MCS-90 is an endorsement, not the BMC-91 or BMC-91X filing. Requesting a quote does not activate insurance or operating authority.
Further reading
What to have ready for your quote
Start with what you have. Your agent will confirm any additional information the carrier needs.
- DOT or MC number, if issued, and business address
- Driver and vehicle schedules
- Freight types, radius, mileage, and garaging locations
- Current policy, available loss runs, and customer requirements
Build a quote around your operation
Send your DOT or MC number, or call (360) 936-7196. We will review your operation and available coverage options.
A quote request does not bind coverage. Availability, limits, exclusions, and effective dates are subject to carrier approval and policy terms.