Primary liability is the root coverage of any vehicular insurance policy and the core coverage required by the FMCSA in order to legally operate. It’s insurance that protects against loss from legal liability for bodily injury or property damage to another party involved in an accident or claim. The FMCSA requires a minimum of %750,000 in coverage, but in our experience most customers ask for a minimum of $1 million in order to satisfy common shipper
Protect your motor carrier’s semi trucks and commercial vehicles operating under your business’s authority.
Coverage for the containers your business owns, or runs during the course of normal operations.
Coverage for the cargo you haul that belongs to your business or your customers.
Policies like general liability to protect your business.
Royalty Truck Insurance agents are licensed to sell commercial insurance throughout the U.S. and have worked with just about every type of business in the trucking industry.
We don’t just provide vehicle insurance for semis and bobtails. We offer a full line of policies that motor carriers or entities in small business trucking need in order to comply with state and federal regulations, satisfy their customers and protect their own assets.
Our Agents Can Help You Lower Your Motor Carrier Insurance Cost
Royalty Truck Insurance agents can navigate you to the best A-rated insurance providers to suit the needs of your business and keep you in compliance with minimum coverage levels in your state. Even if you’ve experienced prior loss or have been dropped by other insurance companies, we can help you find the right coverage for your budget.
Additionally bundling all of the policies you need to operate your motor carrier or small trucking business is one of the best ways we can help you save. Keeping all of your vehicle fleet insurance coverage, cargo insurance, trailer coverage, general business liability, occupational accident policies for employees and anything else your business needs under one umbrella can lower your annual costs even further.
Royalty agents can bind policies for your entire fleet, including all of your commercial vehicles, be it semi trucks, tow trucks, specialty vehicles or other equipment. You can also bundle any other trucking insurance policies your business needs, such as cargo or freight coverage and trailer insurance.
Small Business Trucking Insurance
Royalty agents can also bind policies for your business, including general liability coverage to protect you from damages that occur during the normal operations of your business. We can also provide services to protect your employees such as occupational accident coverage. We’ve also got great deals on roadside assistance at $399/year to protect your fleet of trucks while they’re operating throughout the country.
Want to get a motor carrier insurance quote and have a Royalty agent revisit your policies and premiums? Simply fill out the form to the right, fill in some options related to the coverage your interested in and our agents will handle the rest.
Motor Carrier Insurance Coverage Map by State
Royalty is currently licensed to sell and bind commercial policies throughout the country. We’re experts on proper state filings and coverage regulations. Click a state on the interactive map below to see its specific filings!
Core Vehicle Coverage
Primary liability coverage, bodily injury, property damage, medical payments.
Motor Carrier-Specific Add-Ons
General liability, occupational accident, roadside assistance.
Under the Hood of Your Motor Carrier Insurance Policies
Check out more about some of the specific coverages that could make their way into your bundle of motor carrier or small business trucking insurance policies.
Commercial general liability insurance is core coverage for your business, insuring against legal liability for bodily injury or property damage another party might claim that occurs on your premises, or as a result of your products, services and other basic operations of your business. Small business trucking companies can save by bundling general liability with their vehicle or vehicles’ policies.
Motor truck cargo is insurance for hauled goods or freight. It protects against loss from legal liability for damaged merchandise while in the insured party’s possession during the course of transit. Motor truck cargo can prevent against loss from accident, or equipment failure like refrigeration system malfunctions for perishable goods like produce. Limits can be adjusted in a wide range to optimized for regularly hauled freight.
Passenger accident coverage insures against medical expenses for guest passengers (who aren’t co-drivers) who are present in the event of an accident. Passenger accident also covers against fatalities and dismemberment. Exclusions and age limitations may apply to this coverage, depending on provider.
Physical damage is coverage you want included in your policy if you want to protect your own vehicle from loss or damage caused by things like accidents, fire, theft or vandalism. Tractors and trailers require separate coverage in the commercial trucking industry since trailers so often change hands, but if you insure both your tractor and trailer and they are involved in the same accident, you may only be required to pay 1 deductible for the claim.