What it may cover
- Primary liability for injuries and property damage caused while driving
- Physical damage coverage for the truck and trailer
- Cargo insurance for goods being transported
- Non-trucking liability for use of the truck outside of dispatch
- Trailer interchange coverage for hauling trailers you don't own
- General liability for non-driving business operations, like loading and warehousing
- Reefer breakdown coverage for spoiled temperature-controlled cargo
Who it's for
- Owner-operators leased to a motor carrier
- Independent trucking businesses
- Small to mid-size trucking fleets
- Drayage operators hauling containers to and from PortMiami
- Reefer haulers moving perishable or temperature-sensitive freight
Why it matters
Federal and state regulations require specific liability minimums for commercial trucking, and a single cargo or liability claim can be financially significant without proper coverage. For Miami's port drayage and cross-border freight operators, a lost or spoiled container can mean a claim well beyond what a standard cargo limit covers, making the right coverage limits especially important.
Common coverage options
Primary liability
Meets FMCSA minimum liability requirements for operating authority.
Cargo coverage
Protects the value of goods being transported against damage or loss.
Physical damage
Covers the truck and trailer against collision and other damage.
Reefer breakdown coverage
Covers the loss of temperature-controlled cargo if refrigeration equipment fails in transit.
What affects the price
- 01Type of freight hauled
- 02Radius of operation, local versus long-haul
- 03Driver experience and safety record
- 04Truck age and value
- 05Whether cargo is refrigerated or otherwise temperature-sensitive
Questions to ask before buying
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Frequently asked questions
Coverage details depend on the carrier, selected policy, applicable state laws, underwriting criteria, and specific exclusions. This content is for informational purposes only and does not constitute legal or financial advice.
