Primary Liability Insurance: Primary liability insurance covers bodily injury and property damage you cause to others in an accident while operating your truck. Federal law requires minimum levels for for-hire carriers, with $750,000 applying to most general freight.
Why it matters to owner operators
It is required to hold authority and brokers verify it. Check your policy dates because a lapse can suspend your authority.
Example
A carrier’s insurer files proof of liability coverage with the FMCSA so the carrier’s authority can stay active.
Related terms
Compliance & Safety: Getting set up and staying compliant keeps your truck earning. We help new carriers with broker setup packets and certificates of insurance. Talk to our dispatch team or browse the full trucking glossary.
Haul smarter with a dispatch team behind you
Nexloads finds loads, negotiates rates and handles paperwork for owner operators and small fleets. No forced dispatch and no long-term contracts.