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What To Know About Auto Liability Insurance For Trucking

What to Know About Auto Liability Insurance for Trucking

It is very important that those within the trucking industry understand the various required and optional trucking insurance coverages. Auto liability is the foundation of protection. In order to operate appropriately, all trucking companies must have this coverage.

Trucking businesses have quite a unique risk exposure. They must remain aware and on top of their operational protections to avoid financial devastation. An auto liability insurance agent would be more than happy to discuss the grounds of an auto liability insurance policy. 

Trucking Auto Liability Coverage

Auto Liability consists of two main components: Bodily Injury and Property Damage. These coverages respond accordingly in the event of an at-fault loss.

  • Bodily injury will cover medical expenses, hospital bills, rehab/physical therapy, long-term nursing care, lost earnings, funeral expenses, pain and suffering, and other medical-related expenses resulting from bodily injury or death of a third party when your equipment was at-fault.
  • Property damage will cover the repair or replacement of damaged property, buildings, signs, etc. up to the policy limit which you are insured.

Auto Liability can be written as a combined single limit (CSL) or with split limits. It is legally required for all trucking and transportation companies to carry a minimum limit of liability coverage. The limits vary depending on the class of vehicle hauling freight or passengers. For instance, if you are operating trucks over 10,000 GVWR, then you will need to carry a minimum of $750,000 liability limit.

Liability Filings

For-hire operations are required by law to carry a liability filing. Filings will be issued by your auto liability insurance carrier based on the liability limit you have selected. Filings are issued to interstate travel through federal filings, and intrastate filings for hauling within state lines. You should check with your transportation insurance specialists to discuss which filings would best fit your business. 


We must note the exclusions that come with this coverage. Being that Auto Liability will cover third-party bodily injury and property damage, it will not cover your owned equipment in the event of a loss. Auto Liability will not cover damage to your truck, your own bodily injury, or theft of your vehicle. Truck insurance providers have insurance coverage options for single owner-operators, large fleet operations, and everything in-between. To learn more, contact an auto liability insurance agent. 

About Gain Insurance Agency

Gain Insurance Agency protects trucking businesses against liabilities and claims in the industry. We combine products provided by respected insurance providers with our expertise and custom packages to meet customers’ individual needs. Our goal is to give you the coverage that you need at the lowest possible price. To learn more about our products and services, contact us today at (877) 424-3344.

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