Truckers Liability FAQ

No. Primary auto liability covers the truck on the road and is federally required (with an MCS-90 filing for interstate for-hire carriers). Truckers General Liability covers non-auto exposures — your terminal, loading docks, shipper/receiver premises, completed operations, and products. They are separate policies.

It covers bodily injury and property damage off the road: terminal and premises liability, loading-dock operations, liability at shipper/receiver facilities, completed operations, and products. For motor carriers with facilities it pairs with pollution and warehouse legal liability.

A small motor carrier or owner-operator commonly pays $1,000–$3,500 per year for a $1M policy, rated on gross receipts or units plus claims history. Fleets and terminal operators scale higher. Auto is typically the largest line; TGL is comparatively affordable.

Bobtail covers the tractor when driven without a trailer, regardless of dispatch. Non-Trucking Liability covers the owner-operator when not under dispatch. Motor-carrier leases usually require one specifically, and the wrong form can leave a gap.

Often yes. Leased-on owner-operators typically carry NTL or bobtail for off-duty time, and many carriers require owner-operators to carry or be covered under a TGL policy. Your lease and broker contracts specify the requirement.

No — standard GL has an absolute pollution exclusion. A diesel or chemical spill requires a separate truckers pollution policy. A single reportable spill can cost six figures in cleanup.

Yes — most COIs are turned around same-day, and we set up recurring certificate holders so repeat contracts aren't delayed. Shippers, brokers, and lease agreements frequently require additional-insured status before tendering freight.

Yes. Contractors Choice Agency is licensed in all 50 states and writes trucking liability nationwide, including interstate operations.

Most quotes are delivered within one business day, and straightforward operations can often bind coverage the same day. Request a quote online or call 844-967-5247.

It's the GL policy for the motor carrier or authority holder — the company. It covers the entity's premises, brokerage and logistics operations, completed operations, and damage to rented premises. For a carrier with authority, it's the foundational business liability policy.