THURSDAY, JANUARY 19, 2023
Trucking insurance is required for truck drivers, whether they are owner-operators or work for a trucking company. Your agent may build your customized trucking insurance plan by adding commercial auto and public liability coverage as state and federal regulations require.
What Is Truckers Liability Coverage?
Missouri-based truck drivers must have commercial auto insurance coverage to meet the state’s minimum requirements, including the following:
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Bodily injury liability can help pay medical bills for third parties injured in an accident if the tractor-trailer driver is legally liable.
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Property damage liability can help pay to replace or repair a third party’s property after an accident if the tractor-trailer driver was at fault.
Your agent may recommend that you purchase more than Missouri’s minimum liability limits to help provide additional financial protection.
What Is Public Liability Insurance
Public liability insurance is required by the Federal Motor Carrier Safety Association (FMCSA). This coverage helps cover third-party injuries and property damage when the covered truck driver is involved in an at-fault accident. 
The minimum amount of public liability insurance required varies depending on multiple factors, including the type of freight typically hauled by the driver. Your agent can help determine how much public liability coverage is appropriate for your circumstances.
Commercial Auto Insurance for Truck Drivers
In addition to liability coverage, truck drivers and owner-operators can add optional coverage to their commercial auto insurance plan. Your agent may recommend the following policies and endorsements:
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Comprehensive insurance can help pay for damages to the covered vehicle after an incident or accident where damage is unrelated to a collision, which may include acts of vandalism, fire or weather damage.
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Collision insurance can help pay for damages to the covered vehicle after an accident involving another vehicle or a collision with an object.
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Medical payments coverage can help pay medical bills and other financial losses if the tractor-trailer driver or a passenger is injured in an accident.
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Uninsured/underinsured motorist insurance can help pay to replace or repair a tractor-trailer if an accident causes damage and the responsible party doesn’t have enough (or any) liability insurance coverage.
These coverages build a core of insurance policies to help provide basic coverage for a trucking operation. Your agent may recommend that you further customize your trucking insurance by adding the following:
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Bobtail insurance
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Non-owned trailer insurance
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Commercial property insurance
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Motor truck cargo insurance
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Umbrella insurance
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Gap insurance
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Roadside assistance
How to Get Trucking Insurance
Contact the trucking insurance experts at Walnut Risk Management in Kansas City, Missouri, to get a customized trucking insurance plan to meet your organization’s needs.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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