Insurance requirement guides for Trucker.
Relay carriers need $1M auto, $100K cargo, $1M/$2M general liability and 180 days of authority. Federal law asks for $750K and no cargo. US, Canada and UK compared.
FMCSA requires financial responsibility from $300,000 for for-hire fleets of small vehicles to $5,000,000 for the riskiest hazmat loads — and a for-hire carrier cannot operate without an accepted BMC-91 filing.
Texas sets the requirement by the type of tow, not the truck — $500,000 for an incident management tow, $300,000 for a consent tow, which specifies no on-hook cover at all.
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.
FMCSA requires $750,000 for for-hire general freight, $1 million for oil and most hazmat, and $5 million for the highest-risk loads and large buses. Learn how the MCS-90 endorsement and the BMC-91 filing work, who is exempt, and the penalties.
Interstate for-hire freight needs $750,000 federally. A truck that never leaves its state follows that state's rule instead: $50,000 in Florida, $500,000 in Texas, $1,500,000 in New Jersey.
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This collection features 6 carefully researched guides for Trucker 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.
