All states require vehicle insurance for your business in order to transit, covering your company’s liability if you or your drivers cause accidents. There are several coverages, each of which is designed to protect your business and your personal assets from financial loss

Liability (Obligatory)

It is the mandatory coverage for any type of commercial business, since it is the coverage that covers in case of damage to third parties. It's called a liability policy. In addition, it has two sub-coverages that pay in the event that the insured is legally responsible for an accident: physical damage to persons Body (LI) Injury (B.I) and damage to the property of others Property Damage (P.D). They also pay legal defense expenses if required because of lawsuits.

Liability limits are:

$ 5,000,000 Mandatory amount for Bus businesses that transport more than 26 passengers (not including the driver).
$ 1,000,000 Amount that clients generally ask for since they require this for the companies they work with.
$ 750,000 Minimum for Interstate businesses.
$ 500,000 Minimum for Intrastate businesses and / or greater than 15 passengers (included the driver) and less than 26 passengers (not including the driver).
$ 300,000 Amount for household product holders with a gross weight, registered weight or gross weight rating less than 10,001 pounds and towing vehicles generally.

Motor Trucking Cargo (MTC)

This coverage is requested mainly by Trucking For Hire, Common Carrier or Authorization For Hire businesses, since the cargo belongs to a third party, and this will require the insured to have this coverage to cover the cargo.

The limits are assigned by the company that supplies the cargo to the insured, these range from $ 5,000 to $ 500,000 , but in most cases the requested limit is: $ 100,000 .

UM/UIM (Uninsured Motorist)

Covers when the other driver involved is declared legally responsible for the accident and is considered "uninsured" or "underinsured" . In other words, you are uninsured, underinsured or run away and do not pay for the damages caused, it covers for injuries, even death, that you and the occupants of the insured vehicle suffer. It is an extension of the Liability policy .


Primary liability coverage during the use of the truck where the power unit is operated without a trailer and for a commercial purpose, either when you go to pick up cargo or return from delivering one.


It allows the insured to extend or increase the limit to only one of the third party liability policies (Liability, Motor Trucking Cargo or General Liability).


It allows to extend or increase the limit of one or more of the policies for third parties (Liability, Motor Trucking Cargo and / or General Liability).

Physical Damage

This coverage covers in case of damage to the insured's vehicle. Said coverage is generally used when the insured was responsible for the accident, his Liability will cover the damage to third parties and his Physical Damage will cover his own vehicle. It has two Sub-coverages: in cases of collisions Collision and in cases of Comprehensive natural effect events.

General Liability (GL)

This coverage covers in cases of negligence on the part of the insured in the operations of loading and unloading of vehicles. It also covers in cases of an incident within a property.

The limits for this policy are generally $ 1,000,000 with an aggregate of $ 2,000,000 . However, it depends on the request of the company for which the insured works, it may require specific amounts to be able to hire it.

Trailer Interchange

It covers when the trailers in which the loads are transported do not belong to the insured, but to the company for which he works, it may be two or more trailers that this company will supply and therefore they would not be identified, but they require him to have a “Physical Damage” policy. The appraisal of the Trailer Interchange is required by the company for which the insured works.

Non-Trucking Liability

Coverage for damages to third parties responds when the client, who must be a leasing, (that is, an owner operator, who has a lease agreement) is performing non-commercial tasks.

Personal Injury Protection

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Provides timely benefit payments if an insured or other persons covered by the policy are injured in an accident. It is mandatory in the state of Florida . It is an extension of the Liability policy. PIP has three parts:

1. Medical benefits: Coverage of the costs of treatment that the insured receives from hospitals, doctors and other health care providers.

2. Disability benefits: The reimbursement of certain expenses resulting from injury, such as loss of wages or any reasonable expense incurred in obtaining the services of others during the period of disability.

3. Death coverage: Benefits payable if an insured dies from injuries sustained in an accident.

Medical payments

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It is optional insurance coverage that pays for reasonable and necessary medical expenses for covered individuals. These expenses must be incurred as a result of a car accident. It is an extension of the Liability policy.

Workers compensation

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Coverage that the employer acquires for its employees, covers disabilities to workers when they have an illness or injury due to the work performed. Similar to an ARL. This coverage does not cover only the drivers, it also applies to those who load and unload, the secretaries or any worker who is part of the business. This policy is mandatory for commercial businesses in California.