Understanding Trucking Liability Insurance: What’s Covered & What’s Not

Trucking liability insurance is required by law and designed to address the specific risks associated with operating large vehicles on public roads.

What Liability Insurance Covers

Trucking liability insurance addresses the legal responsibility a driver or company may face if their vehicle is involved in an incident that causes harm to others. This can include bodily injury to other drivers, passengers or pedestrians, as well as damage to other vehicles or property. Liability insurance is required to operate legally under federal regulations when a driver hauls freight across state lines.

What Liability Insurance Typically Does Not Cover

Liability insurance does not help pay for damage to the insured’s vehicle. If a truck is damaged in a collision or other event, separate physical damage coverage is typically needed to address those costs.

Liability insurance does not cover cargo being transported. A separate cargo insurance policy is often required if freight is lost, stolen or damaged during transit. Liability coverage does not usually extend to injuries sustained by the driver. Occupational accident insurance or workers’ compensation may address those situations.

Learn More

While liability coverage is key in addressing specific types of claims, it is only part of a broader risk management strategy. Reviewing your operations and speaking with an insurance professional can help identify where additional coverage may be appropriate.

Contact Pacific Coast Insurance Services, Inc. to learn more about your trucking insurance options and get a quote.

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.