Trucking For-Hire Motor Carrier Insurance
Comprehensive insurance solutions for for-hire motor carriers — primary liability, cargo, and complete coverage packages tailored to your operation.
What is a For-Hire Motor Carrier?
A for-hire motor carrier is a trucking company or independent truck driver who transports goods for others for compensation. For-hire carriers are subject to federal FMCSA regulations and must maintain minimum levels of liability insurance as a condition of their operating authority.
Required Insurance for For-Hire Carriers
Primary Liability Insurance (Required)
FMCSA-required coverage for bodily injury and property damage to third parties. Minimums range from $750,000 to $5,000,000 depending on cargo type.
Motor Truck Cargo (Strongly Recommended)
Protects the freight you are paid to haul. Many shippers and brokers require cargo insurance certificates before accepting loads.
Physical Damage (Required by Lienholders)
Covers repair or replacement of your truck and trailer from collision, theft, fire, and other perils.
General Liability (Often Required)
Protects your business from non-driving-related liability claims — loading/unloading accidents, premises liability, and more.
FMCSA Minimum Liability Requirements
| Cargo Type | Minimum Liability |
|---|---|
| General freight, most commodities | $750,000 |
| Oil and certain hazardous materials | $1,000,000 |
| Radioactive, explosive, or highly toxic hazmat | $5,000,000 |
Ready to Get Covered?
NITIC provides complete for-hire motor carrier insurance packages with same-day quotes and same-day certificates of insurance. Call us or request a quote online.