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Do you need auto liability insurance for your trucking business?

We can help you get auto liability insurance quotes.

What is auto liability insurance?

The main purpose of auto liability is to protect your business by covering the costs you’re legally obligated to pay if you injure someone or damage someone’s property (or both) in an accident.

The two types of auto liability: Primary vs. non-trucking

Auto liability falls under the category of primary liability if you have a federal filing and are operating under your own authority. Your federal filing is important.

If you are not operating under your own authority, this coverage falls under the category of non-trucking liability. Non-trucking can cover you if you are not under dispatch, if you’re using your truck for personal use, or if there is no other entity that is responsible for you and your truck. Bobtail, deadhead, non-trucking liability, and unladen coverage are similar.


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What does auto liability cover?

Primary liability and non-trucking liability cover essentially the same things. The two main sections of auto liability insurance are...

Bodily injury liability

This can help cover the medical bills, lost wages, and pain and suffering of the person (or persons) that you’ve injured in an accident.

Property damage liability

This coverage can help take care of the costs that you’re legally obligated to pay if you damage or destroy someone’s property (such as a vehicle that you hit in a car accident.)

Depending on your contracts and the laws in your state, you might be required to carry certain levels of liability insurance. It’s important that you make sure you’re meeting any legal requirements for your insurance. We can help you make sure that you’ve got enough liability insurance to cover your business against the risks that you face every day. We can also help you get auto liability insurance quotes for your trucking business, whether you have tow trucks, dump trucks, semis, hotshots, auto haulers, or flatbeds. You can either fill out our online quote form or give us a call today.

How much does auto liability insurance cost?

The cost of liability insurance is going to vary from trucking business to trucking business because every business is unique and faces a different amount of risk. Insurance companies will examine a number of details about your business before deciding whether or not to cover you and how much to charge you for your insurance. Some of the factors that affect the cost of your auto liability insurance are…

Your drivers

Your claims/losses

Speeding tickets

Your vehicles

How many trucks you have

What you transport/haul

Your radius

How long you've been in business

Understanding the cost of auto liability insurance:

  • Your drivers: Since your drivers are the ones controlling the trucks, they’re a big part of your insurance. If their driving records show that they’re not safe drivers, you could end up having to pay more for your insurance. Your drivers’ ages and experience can also play a part in your rates.
  • Your claims/losses: Claims are often seen as indicators of risks, so if you’ve been in accidents your insurance rates may be higher than if you have a clean loss record.
  • Speeding tickets: Like accidents, speeding tickets are used as indicators of risk. Speeding tickets usually mean higher truck insurance rates.
  • Your vehicles: The type of truck - its make, model, and year - has an impact on your rates.
  • How many trucks you have: Of course, the number of trucks you have can influence your rates.
  • What you transport/haul: The insurance company will also consider what kind of loads you typically transport when determining your rates.
  • Your radius: Where you drive and how far you drive can influence your rates.  
  • How long you’ve been in business: If you’re an established business with experienced drivers, you might be able to get lower truck insurance rates.

Get multiple auto liability insurance quotes.

Our team of transportation insurance agents can help you save money on your liability insurance by shopping for your truck insurance rates. We know that truck insurance prices have been going up lately, but we’re undaunted in our mission of helping trucking businesses save money on their insurance. Since we’ve worked with lots of different trucking operations, we understand the coverages that truck businesses need to cover their risks. To get commercial truck insurance quotes, you can fill our our quick online form, or you can just give us a call on the phone. Our team is here to help you by making truck insurance as easy as possible.


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