Owner-Operator Insurance Requirements: Complete DOT Guide (2025)
Owner-operators need $750,000-$1,000,000+ liability depending on cargo. Learn FMCSA requirements, how to get authority, costs, and coverage you actually need.
Insurance requirement guides for commercial-auto.
Owner-operators need $750,000-$1,000,000+ liability depending on cargo. Learn FMCSA requirements, how to get authority, costs, and coverage you actually need.
Commercial trucks need $750,000-$5,000,000 liability depending on cargo. Learn FMCSA requirements, how to file Form MCS-90, owner-operator coverage, and how to get authority.
Food trucks need commercial auto, general liability, and often product liability insurance. Learn what coverage is required for permits, events, and daily operations.
Uber Black requires commercial livery insurance with $1,000,000+ liability. Learn what coverage you need, costs by market, and how to get licensed.
Commercial trucks need $750,000-$5,000,000 liability depending on cargo. Learn FMCSA requirements, DOT filings, owner-operator coverage, and how to get authority.
Instacart requires Full-Service Shoppers to have auto insurance, but coverage gaps exist. Learn what insurance you need and how to protect yourself during deliveries.
Amazon Flex requires auto insurance, but their coverage only applies during active delivery blocks. Learn what insurance Flex drivers actually need and how to avoid gaps.
Uber Eats requires valid auto insurance, but coverage differs from rideshare. Learn what insurance Uber Eats drivers need and how to fill dangerous coverage gaps.
DoorDash requires valid auto insurance, but their coverage has gaps. Learn what insurance you actually need as a Dasher and how to avoid being uninsured during deliveries.
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This collection features 9 carefully researched guides for commercial-auto insurance requirements. Our content provides clear, accurate information about coverage minimums, compliance rules, and state-specific regulations. All guides are written in plain language with official sources cited.