Motor truck cargo
Pairs with liability on nearly every for-hire policy.
Motor truck cargoTrucking Primary Liability Insurance
Trucking liability insurance, called primary liability or auto liability in the industry, is the policy that pays for injury and property damage you cause to others while operating your trucks, and it is the policy FMCSA requires you to prove before your operating authority becomes active. Our agency places it and submits the federal BMC-91 filing as part of binding.
Get your primary liability quote
Step 1 of 5
In short
Primary liability is the filing-backed policy behind every active MC number. Placed and filed by a licensed Nevada agency.
- Federal minimums (49 CFR 387.9): $750,000 general freight over 10,001 lbs; $1,000,000 oil and certain hazardous materials; $5,000,000 hazmat in bulk; $300,000 non-hazardous freight under 10,001 lbs.
- The BMC-91 (or BMC-91X for multiple carriers) is filed by the insurance company, not by you.
- Most brokers and shippers require $1,000,000 even when the federal minimum is $750,000.
- Licensed Nevada insurance agency
- 20 years of insurance experience
- English and Spanish
- Federal and state filings handled
- Las Vegas office, 2620 Regatta Dr Suite 102
Coverages for this operation
Semi truck insurance
The full tractor-trailer package built around this policy.
Semi truck insuranceNon-trucking liability
The leased-on alternative to primary liability.
Non-trucking liabilityWhat drives your rate
- Limit selected: $750,000 versus $1,000,000 is the most common decision.
- Vehicle type and count.
- Radius and commodity.
- Driver records.
- Years of authority and safety history.
- Garaging ZIP.
How it works
Step 1: Send your USDOT and MC numbers
We pull your public FMCSA profile and confirm what limit you need.
Step 2: We quote carriers that file with FMCSA
Not every commercial auto carrier will file a BMC-91. Ours do.
Step 3: Bind and confirm the filing
We confirm the filing shows on FMCSA's Licensing and Insurance page before we consider the job done.
This page covers for-hire motor carriers. Private carriers hauling their own goods have different requirements.
Questions carriers ask
What is the MCS-90 endorsement?
The MCS-90 is an endorsement attached to your liability policy that guarantees the public will be paid up to the federal minimum even if a policy exclusion would otherwise apply. It is required on filed policies. It is not a separate policy and it is not the filing itself.
How long does the BMC-91 filing take to show at FMCSA?
The insurance carrier files electronically after binding. Timing varies by carrier; we track it until it posts.
Can my authority go inactive if my policy lapses?
Yes. When a filed policy cancels, the carrier files a BMC-35 cancellation notice and FMCSA revokes authority after the notice period. Renew before the lapse, not after.
Related: Semi truck insurance, Owner-operator insurance, Nevada trucking insurance.