Carrier guides / Insurance
Commercial Truck Insurance
Coverage requirements, federal filings, quote comparisons and insurance decisions affecting operating authority.
Explore the guides
Illustrated research, comparisons and practical decisions
Owner-Operator Truck Insurance: Coverage You Actually Need
Learn which commercial truck insurance coverages owner-operators need, the FMCSA minimums, required filings, and how own authority differs from leased-on operations.
New Authority Truck Insurance Costs: What to Expect
See realistic 2026 insurance costs for a new trucking authority, including annual premiums, down payments, monthly cash flow, rate factors, and quote comparison.
Primary Liability, Bobtail and NTL: Know the Difference
Understand primary liability, bobtail and non-trucking liability insurance, when each applies, common gaps, leased-on rules and practical claim examples.
Motor Truck Cargo Insurance: Limits, Exclusions and Claims
Learn how cargo insurance limits, deductibles, exclusions, reefer coverage, FMCSA filings and cargo claims work for US motor carriers.
MCS-90: What It Covers—and What It Does Not
Understand the MCS-90 endorsement, when it applies, what public liability it protects, reimbursement risks, exclusions, limits, filings and common mistakes.
BMC-91 and BMC-91X: How Insurance Filings Work
Learn how BMC-91 and BMC-91X insurance filings activate trucking authority, who submits them, how layered coverage works, and how to avoid filing errors.
Why New Authorities Pay More for Truck Insurance
Learn why new trucking authorities face higher insurance premiums, how underwriters assess new ventures, and what can improve future renewal pricing.
Truck Insurance Deductibles: Compare Premiums and Claim Risk
Compare commercial truck insurance deductibles, premiums and cash exposure using covered-claim scenarios before choosing between two quotes.
Commercial Truck Insurance Quote Comparison Worksheet
Compare up to three commercial truck insurance quotes using a free worksheet for premiums, fees, upfront cash, limits, deductibles and exclusions.
Comparing Commercial Truck Insurance Quotes the Right Way
Compare truck insurance quotes by annual cost, limits, deductibles, exclusions, payment terms, insurer strength and FMCSA filing support.
Truck Insurance Renewal After Year One: Carrier Checklist
Prepare for truck insurance renewal after year one: loss runs, CSA data, driver and equipment updates, broker requirements and quote comparisons.
Trailer Interchange Insurance for Owner-Operators
Learn when owner-operators need trailer interchange insurance and how non-owned trailer damage, agreements, limits, deductibles and exclusions work.
Cargo Claims: What a Motor Carrier Should Do After Loss or Damage
Handle a trucking cargo claim from delivery through investigation: evidence, written claims, 30/120-day rules, salvage, Carmack deadlines and insurer notice.
Physical Damage Insurance for Semi Trucks: Coverage, Deductibles and Value
Understand semi-truck physical damage insurance, collision and comprehensive coverage, deductibles, stated value, total-loss risk and financing requirements.