Why Current Insurance Matters in Trucking
Having the right and active commercial insurance coverage is not just about protecting your rig—it’s a legal requirement to operate as a motor carrier.
Most filings and registrations—including DOT, MC number, IRP, and IFTA—require proof of valid insurance.
Operating without current insurance can lead to:
- Revoked operating authority
- DOT fines and out-of-service orders
- Contract loss or delays at ports and weigh stations
Minimum Insurance Requirements
The FMCSA requires trucking companies to carry at least:
- $750,000 – $1,000,000 in auto liability coverage (varies by commodity)
- $5,000 – $10,000 in cargo insurance (if applicable)
- General liability and physical damage coverage for full protection
Additional coverage may be required by brokers, leasing companies, or specific states.
Types of Coverage You May Need
- Primary Auto Liability: Required to obtain your DOT/MC numbers
- Physical Damage: Covers your truck in case of collision or vandalism
- Cargo Insurance: Protects the load you’re hauling
- General Liability: For property damage or injury off the road
- Non-Trucking Liability (NTL): Covers personal use of your truck
What Insurers Need to File
Your insurance provider must submit the following forms to FMCSA:
- Form MCS-90: Public liability insurance filing
- Form BMC-91 or BMC-91X: Confirms your liability limits
- Form BMC-34: For cargo insurance (if required)
How Truckers Desk Helps
- Reviewing your current insurance policy to ensure compliance
- Connecting you with trusted trucking insurance partners (if needed)
- Coordinating with your insurer to file forms with FMCSA
- Tracking coverage renewal dates and alerting you before expiration
- Providing documentation for IRP, UCR, and permit filings
Best Practices
- Keep a digital and printed copy of your insurance certificate in your cab
- Verify your insurer files with FMCSA directly
- Review and renew your policy at least 30 days before it expires
- Maintain proper cargo insurance if required by your brokers or clients
Frequently Asked Questions
- How do I know if my insurance is current?
- Check your FMCSA SAFER profile or contact your insurer. We can also verify this for you.
- Can Truckers Desk help if I don’t have insurance yet?
- Yes! We work with trusted partners and can help you get a quote and get covered fast.
- What happens if my insurance lapses?
- Your operating authority may be revoked, and you could face fines. We offer renewal reminders and compliance help to prevent this.
Stay Covered, Stay Legal
Don’t let an expired policy or missing documentation slow you down. Truckers Desk ensures your insurance is up to date and properly filed—so you stay legal and protected.
Need help reviewing or filing your current insurance?