Primary liability
The policy your authority depends on. We place it and file the BMC-91 so FMCSA sees it.
Primary liabilitySemi Truck Insurance
Semi truck insurance for an owner-operator or small for-hire fleet usually means four policies working together: primary liability, motor truck cargo, physical damage on the tractor and trailer, and non-trucking liability if you lease on to a motor carrier. Our agency writes all four for truck tractors running under their own authority or leased on, from a licensed office in Las Vegas.
Get your semi truck insurance quote
Step 1 of 5
In short
Truck tractor and trailer insurance placed by a licensed Nevada agency. Federal filings are submitted with the policy.
- Interstate carriers hauling general freight over 10,001 lbs need at least $750,000 in liability under 49 CFR 387.9. Most brokers and shippers ask for $1,000,000.
- Cargo coverage is a contract requirement from shippers and brokers, commonly $100,000, not a federal filing.
- One licensed agent handles the quote, the binding and the BMC-91 filing.
- 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
Motor truck cargo
Covers the freight in your trailer. Brokers will ask for the certificate before the first load.
Motor truck cargoNon-trucking liability
For leased-on tractors when you are not under dispatch.
Non-trucking liabilityWhat drives your rate
- Radius of operation: local, regional or long haul changes the rate more than most owners expect.
- Commodity: general freight, refrigerated, auto and building materials each rate differently.
- Driver record and CDL experience for every listed driver.
- Years your USDOT number has been active and your inspection history.
- Tractor and trailer values for physical damage.
- Limits requested: liability, cargo limit, deductibles.
- Garaging ZIP code.
How it works
Step 1: Send the basics
USDOT number, tractors and trailers, garaging ZIP, drivers. Two minutes on the form or one call.
Step 2: We quote the carriers that write tractors in your state
A licensed agent reviews your operation before anything goes to a carrier.
Step 3: Bind and file
You pick the option. We bind it and submit the BMC-91 and any state filing as part of the same job.
This program is for for-hire trucking operations. We do not write personal-use pickups or non-trucking commercial fleets.
Questions carriers ask
Do I need cargo insurance to run under my own authority?
FMCSA does not require cargo insurance for general freight carriers. Brokers and shippers do, by contract, and $100,000 is the common minimum. Without it most load boards will not release freight to you.
What is the difference between the policy and the BMC-91?
The policy is your insurance contract. The BMC-91 is the form your insurance carrier files electronically with FMCSA to prove that policy meets the federal minimum. If the filing never lands, FMCSA treats you as uninsured even though you paid.
Can you insure a tractor that is leased on to a motor carrier?
Yes. Leased-on tractors typically need non-trucking liability and physical damage rather than primary liability, because the motor carrier's policy covers you under dispatch.
Related: Dump truck insurance, Box truck insurance, Owner-operator insurance.