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Motor Carrier Insurance for For-Hire Trucking

You spend a lot of money on your trucking business, so you want to be sure it's protected. After all, your truck is your livelihood - that's why motor carrier insurance designed specifically for for-hire truckers is so important. Choosing the right motor carrier coverage is the best way to protect your investment and your business.

Truck insurance from Progressive will not only protect your business and provide the coverage you need, it offers you some of the best rates in the industry, 24x7 policy assistance, and superior claims service, too.

For-Hire Truck Insurance Recommendations

Many motor carriers use permanently leased independent contractors. If you are one of these for-hire owner-operators, you may receive Primary Liability insurance under your Motor Carrier’s authority. However, you may still need to purchase “Contingent” or Non-Trucking Liability insurance, as well as Physical Damage coverage for your vehicle. There are many for-hire truck insurance options. Read below to learn more about the types of motor carrier insurance coverages you or your contractors may need.

Mandatory Motor Carrier Truck Insurance Coverages

Liability insurance is a mandatory motor carrier insurance coverage that pays for damages you cause to other people and their property. Liability insurance coverages for motor carriers includes Bodily Injury insurance and Property Damage coverage.

Optional Motor Carrier Insurance Coverages

To make sure you have the best protection for your truck when you’re on the road, you should also consider purchasing some of the optional motor carrier insurance coverages:

Motor Carrier Coverage Limitations

Progressive’s motor carrier insurance has a radius of operation restriction of up to 500 miles on policies with liability coverage, depending on your state. This restriction helps us provide superior motor carrier coverage products and services for regional and local trucking businesses. Keep in mind that we calculate our radius of operations as the crow flies instead of in road miles, so 500 miles can actually cover a fairly large area.

This restriction does not apply to Physical Damage and Non-Trucking Liability coverage.

State and Federal Motor Carrier Insurance Filings

To operate under your own authority, motor carriers must often meet various financial responsibility regulations based on the weight of vehicles operated and commodities hauled.

Progressive makes it easy to obtain motor carrier filings for your required levels of financial responsibility. From the SSRS Form E to MCS-90 filing, Progressive can help. Once you obtain your motor carrier authority, we'll take care of the rest. We'll even file all of the paperwork for you.

Motor Carrier Truck Insurance Quotes

Contact us today at 1-888-806-9598 to see how much you could save with motor carrier insurance from Progressive.

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