Primary Liability Insurance for commercial trucking.
Pays for bodily injury and property damage you cause to others while operating under your authority.
Every motor carrier with active FMCSA authority. Federally mandated.
When you need this coverage
Required under FMCSA 49 CFR Part 387. Minimum $750K for non-hazmat general freight; $1M is the prevailing industry standard; $5M for some hazmat classes.
FMCSA minimum limits: $750,000 (general freight); $5,000,000 (hazmat Class A/B). Source: 49 CFR Part 387. Carriers and brokers commonly require limits above the federal minimum; refer to your shipper or broker contract for the binding number.
Primary Liability by state
State-by-state pages cover the local DOI, surplus-lines rules, and carriers actively writing the line. We add new states as we extract their public rate filings — pages are not generated until the editorial body is complete.
Coverage descriptions on this page are general and informational. Binding terms come from the carrier policy and any endorsements. Dispatched is a comparison and matching platform; we are not a licensed insurance producer in every state. Where we accept contact information for a quote, that consent is one-to-one with named producer partners.