Primary Liability Insurance

Meet Your Trucking Needs at the Most Affordable Rate!

Assured protection with exceptionally great service. Whether you are a private carrier, independent trucker, or handle trucking business, your trucks are capable of harming third-party property and doing bodily injury to other people. To safeguard yourself and your trucks from such financial straining situations you need primary liability insurance.

What is Primary liability insurance?

Primary liability covers the damages done to the third party both property as well as bodily injury in the event of an accident when your truck is at fault. This is a mandatory and minimum insurance requirement by the law that you need to carry with you to safeguard other people and their property around. Circumstances like fire, vandalism, theft, or natural calamities that lead to damage or destruction of your own trucks and shipment are not included in primary liability. If you want coverage for all these risks then you have to take additional truck coverage to safeguard your vehicles, cargo, trailer, or transporter, from such events.

Who needs primary liability insurance?

Any person who drives a vehicle whether for commercial use or personal purpose needs primary liability insurance. Driving vehicles without primary liability insurance will result in penalties and hefty fines as this truck insurance coverage is mandated by state and federal agencies.

Specific insurance requirements for your operation can be found on the FMCSA Website. You can also speak to one of our experienced commercial insurance agents to guide your purchase decision.

Coverage provided by National Independent Truckers Insurance Company, RRG. is rated by A.M. Best and accepted by most motor carriers including but not limited to:

How can you protect your trucks in the best way?

Purchasing primary liability insurance is the best way to begin. If you want to add blanket protection to your trucks then you should consider getting comprehensive coverage, cargo insurance, trailer insurance, etc. in your insurance package.

These insurance coverages will safeguard your trucks and business completely. It will protect your commercial vehicles from every sort of damage both on and off the road. If you have broad coverage then you won't be held liable for paying all the costs from your own pockets in the event of an accident.

What are the benefits of getting primary liability insurance coverage?

Several benefits come with this insurance including:

Bodily injury: Accidents can lead to physical disability and even death. This insurance pays for the third-party medical costs incurred after an accident.

Property damage: Your trucks can badly damage another person's vehicle or public property in a collision. This coverage protects you against another person's property destruction or loss when your vehicle is at fault.

Repute protection: Accidents can put your business operations on hold for a long time. This insurance helps in protecting your business reputation which can get badly affected after such incidents.

Financial support: In the event of accidents your truck can badly injure another person's physical well-being and property. This insurance helps you cover the medical bills and repairing costs of their broken vehicle.

What does primary liability insurance NOT cover?

Damages to your trucks resulting from fire, theft, or other factors are not included in primary liability insurance. This policy doesn't cover your trucks from any sort of damage or own bodily injury arising out of an accident. The sole purpose of this coverage is to protect you against another person's damages to property and well-being on the road.

Primary Liability Insurance FAQs

Do I need primary liability insurance?
Yes. Primary liability insurance is required by law for all commercial truck operators with their own DOT authority. The FMCSA sets minimum coverage levels depending on the type of cargo you haul.

What is the key difference between general liability and primary liability insurance?
Primary liability covers damages to third parties caused by your truck while operating commercially. General liability covers broader business liabilities like slip-and-fall accidents at your premises.

Do every damage in the event of an accident be covered in primary liability insurance?
No. Primary liability only covers damages to third parties (other people's property and injuries). Your own truck's damage requires physical damage coverage, and your cargo requires cargo insurance.

What is the cost of primary liability coverage?
Costs vary based on your operation, cargo type, driving history, and radius. Contact NITIC for a personalized quote—we offer competitive rates with flexible payment plans.