Primary Auto Liability Built to Defend Your Authority
FMCSA compliant limits for fleets of three or more power units, placed with A rated carriers in all 50 states we are licensed in.
Primary Auto Liability insurance for trucking fleets in 50 states
Commercial Auto Liability (CAL) is the foundation of any trucking insurance program. We place the limits required by FMCSA and your shippers, and we shop carriers hard to keep your premium honest.
Prestige Trucking Insurance places primary auto liability coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
State minimums, federal minimums, and what your shippers actually require
Primary auto liability pays third party bodily injury and property damage caused by your power units. It is the filing the FMCSA reads, the limit your brokers verify before they tender a load, and the first policy a plaintiff attorney attacks after a serious crash.
Federal filings are only the floor. Interstate general freight over 10,000 lbs files at $750,000, oil and certain equipment moves at $1,000,000, and hazardous materials can require $5,000,000. Intrastate limits vary by state, and most national shippers contractually require $1,000,000 combined single limit regardless of what the filing says.
We handle the MCS-90 endorsement, BMC-91X filings, and same day certificate issuance so a compliance gap never parks a truck. Your specialist keeps the filing, the policy, and the shipper contract aligned.
Why generalist agents fail motor carriers
An agent who writes trucking occasionally will misclassify radius, understate commodity, leave drivers off the schedule, or file the wrong limit for your authority type. Those errors surface at the worst possible moment: a denied claim, a mid term cancellation, or a reprice at audit that doubles the premium. We place trucking every day, so the application matches how your fleet actually runs.
855-643-3881What a properly structured liability program includes
Combined single limit
$750k, $1M, $2M or higher CSL structured to your filing class and your largest shipper contract.
MCS-90 endorsement
Federal public protection endorsement attached and explained, including what it does not actually cover for your fleet.
Same day certificates
COIs, additional insureds and waivers of subrogation issued the same business hour in most cases.
Radius and commodity fit
Local, intermediate and long haul radius classes rated honestly so underwriters do not reprice you at audit.
Driver schedule management
MVR review and driver adds handled before dispatch, not after a claim exposes an unlisted driver.
Renewal defense
Loss runs, safety narrative and CSA cleanup packaged 90 days out so your file is marketed, not rubber stamped.
Filing class versus real world requirement
| Scenario | FMCSA filing minimum | What shippers and brokers ask for |
|---|---|---|
| General freight over 10,000 lbs | $750,000 | $1,000,000 CSL on most broker contracts |
| Oil and certain equipment | $1,000,000 | $1M primary plus $1M to $5M excess |
| Hazardous materials | $5,000,000 | $5M primary plus pollution liability |
| Intrastate only | Set by state, often $300k to $750k | $1,000,000 for national accounts |
Questions motor carriers ask
What are the FMCSA mandatory primary liability limits for interstate trucking?
FMCSA mandates a minimum of $750,000 in primary auto liability for non hazardous freight weighing over 10,000 lbs, $1,000,000 for oil and certain equipment transport, and up to $5,000,000 for hazardous materials.
Does the MCS-90 endorsement protect my fleet?
No. The MCS-90 is a federal surety mechanism that pays an injured member of the public when your policy would not respond, and the insurer can then seek reimbursement from your fleet. It satisfies the filing, it does not replace adequate liability limits.
How fast can a fleet of three or more trucks get a liability certificate?
Once coverage is bound, Prestige issues certificates of insurance, additional insured endorsements and waivers of subrogation the same business day, and usually within the hour during business hours.
Get a Free Fleet Liability Audit
Send us your current declarations page and loss runs. A specialist reviews your limits, filings and shipper contracts and tells you exactly where your fleet is exposed.
Fleets of three or more power units across the 50 states we are licensed in.
Primary Auto Liability coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending primary auto liability limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs primary auto liability coverage?
Primary Auto Liability coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
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