Free carrier tool

Commercial Truck Insurance Requirements Checker

Select the role, vehicle and cargo profile. The checker will show the federal filing commonly associated with that operation and flag additional coverages worth discussing with a licensed agent.

Operation profile

Tell us how the business operates

Business role Which description best fits the operation?

Vehicle weight

Below 10,001 pounds GVWR Light commercial vehicle 10,001 pounds GVWR or more Typical commercial truck threshold

Hazardous materials profile Select the highest category that may apply Classification depends on the commodity, quantity, packaging and applicable hazardous-material rules.

Commercial risk profile

These selections do not change the federal filing result. They identify additional policies commonly relevant to the business.

Truck or trailer is financed A lender may require physical damage coverage. Transporting customer cargo Contracts may require motor truck cargo insurance. Refrigerated or temperature-sensitive cargo Reefer breakdown and temperature exclusions matter. Employing drivers or other staff Workers’ compensation rules are State-specific. Using leased owner-operators Lease structure and occupational coverage need review. Operating a yard, office or terminal General liability and property exposure may apply.

Indicative result

Your federal starting point

Public liability minimum $750,000

Typical federal minimum shown for a non-hazardous for-hire property carrier using a vehicle of 10,001 pounds GVWR or more.

Likely FMCSA filing BMC-91, BMC-91X or BMC-82

The insurer or authorized financial-responsibility filer normally submits proof to FMCSA.

Federal cargo filing Not required

Operating-authority filing Required

MCS-90 or equivalent Expected

State review Also needed

Coverages to discuss

What could change this result

Official basis used

The federal result follows FMCSA’s insurance filing chart and 49 CFR Part 387. Verify the current official sources before purchasing coverage or activating authority.

FMCSA filing chart 49 CFR Part 387

Educational screening tool only. It is not insurance, legal or regulatory advice and does not replace a licensed transportation insurance agent, FMCSA, State regulators, contracts or lender terms.

Commercial Truck Insurance Requirements Checker

Tell us how the business operates

Understand the filing and the policy behind it.