Commercial Auto Liability Insurance for Trucking

Coverage Overview — Protecting You on the Road

Commercial auto liability insurance pays for bodily injury and property damage you’re legally responsible for when your truck causes an accident. Often called primary liability, it’s the cornerstone of a compliant trucking policy and is required for most interstate operations. It covers others’ losses and legal defense—not repairs to your own rig (that’s covered under physical damage).

Why Liability Coverage Matters for Motor Carriers

Without proper liability limits, you can’t obtain or maintain operating authority. Brokers, shippers, and facility gates around Little Rock, North Little Rock, and the Port of Little Rock commonly require proof of coverage before loading. Adequate limits help protect your business from costly claims, medical bills, and legal fees—so you can stay on schedule up I-30, I-40, and US-67/167.

Tailoring Liability Limits to Your Routes & Contracts

Many carriers choose $1,000,000 combined single limits to meet typical contract requirements, with excess/umbrella available if shippers mandate higher limits. We help Arkansas fleets evaluate routes, cargo types, and driver records to place affordable truck liability insurance with markets that understand small fleets. Expect guidance on filings and certificates so your tractors can roll from Cabot to Conway, Searcy, and Jonesboro without delays.

Common Questions About Truck Liability Insurance

  • How much liability insurance is required for trucking companies?

    Federal and state rules set minimums for motor carriers, and many contracts require higher limits. Our team helps you choose limits that satisfy both compliance and customer demands.

  • Does personal auto insurance cover my commercial truck?

    No. Personal auto policies exclude business use for commercial trucks. You need a trucking policy with primary liability.

  • What affects the cost of commercial truck liability insurance?

    Driver MVRs, equipment, operating radius, cargo, safety programs, and claims history all impact rates. We’ll review these factors to present competitive options for small fleets.

  • Is $1M liability still standard?

    For many fleets, yes—especially when hauling for larger shippers around Central Arkansas and the Mid-South. Some contracts or cargoes may require additional layers.

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Get a Quote for Auto Liability Coverage

Rich Insurance Services shops multiple trucking markets to place trucking primary liability coverage that meets requirements and budgets. One short call or form is all it takes to compare options for your route—local, regional, or long-haul.

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