This coverage option protects you from damage or injuries to other people as a result of a truck accident. You select your limit of coverage at the time of purchase.
What Primary Liability limit do I need?
Tractor Trailers require a limit of $750,000 for operation, all other vehicles require coverage amounts according to the laws in their base state.
Am I covered if I travel over state lines?
Yes, coverage will travel over state lines.
What determines the limits of my primary liability coverage?
Premiums for Primary Liability coverage are determined by several factors including:Driving Record Garage Location Limit of Liability Coverage Desired Type of Operation Condition and age of equipment
How long will it take you to bind my policy?
It depends on your exact situation. Many policies can be bound in less than 24 hours; others may take slightly longer.
How do I add or delete a driver from my policy?
Adding a driver to your policy requires a written request from the insured. Obtain the drivers name, date of birth, and license number and fax the information along with a written request to add the driver to 631-617-5225.
Motor Truck CargoWhat does Motor Truck Cargo Insurance cover?
Cargo Insurance covers the cargo you are hauling for a shipper, up to a set limit pre-determined by you at the time of policy purchase.
Am I required by federal law to carry Motor Truck Cargo?
No. It may be required by the company doing the shipping though.
What determines the limit of Motor Truck Cargo I should carry?
Ask the company you are hauling for what their cargo coverage requirements are.Back to Top
Bobtail / Non-Trucking Liability / DeadheadWhat is the difference between Non-Trucking Liability, Bobtail, and Deadhead Coverage?
These are all different terms for the same type of coverage. They provide coverage protection for your truck when you are off the job (i.e. Getting the truck washed, repaired). While you are working, the company you are leased onto is responsible for your insurance coverage.
What do I need in order to obtain Bobtail/Non-Trucking Liability Coverage?
A permanent lease agreement (longer then 30 days) Truck year, make, VIN # Drivers Name, License #, Date of Birth Loss Payee Information (for physical damage only) 3 Years of experience in most cases.
Why do I need Bobtail/Non-Trucking Liability Insurance?
The company you haul for only covers your insurance when you are working or hauling for them. When you are not working (i.e. getting repairs, getting the truck washed) the bobtail/Non-Trucking Liability Policy covers you.
What happens if I change the company I am leased onto?
When changing a lease agreement, fax a copy of the new lease to our office at 908-587-1682. Also fax a request to for us to change your policy to reflect the new company you are working for.
ICC Authority / MC AuthorityWhat is ICC Authority/MC Authority?
Before you can legally operate as an interstate regulated carrier, you must be granted permission from the Federal Highway Admission in Washington DC.
Your ICC authority, is permission granted by the federal government to transport regulated freight across state lines (Interstate).
Who is required to have ICC Authority / MC Authority?
Any vehicle operating for hire in interstate transportation of regulated freight or passengers must have operating authority.
What is the minimum insurance coverage required to obtain an MC number / ICC Authority?
For Vehicles with a Gross Vehicle Weight Rating (GVWR) of 10,000 pounds or more: $750,000 (BI &PD) for General Commodities (non-hazardous) $1 Million (BI &PD) hazardous except class A & B explosives $5 Million (BI & PD) Class A & B explosives, Hazardous materials transported in specified capacities in tanks or hoppers and/or any quantity of hazardous materials as specified in 49 CFR 173.403 of the Federal Motor Carrier Regulations.
For vehicles with a Gross Weight Rating (GVWR) of less than 10,000 pounds: $300,000 (BI & PD) for general commodities except any materials listed below. $5 Million (BI & PD) Any quantity of Class A or B explosives, for any quantity of Poison Gas (Poison A) or highway route controlled quantity of radioactive materials.
Common Carriers: Must carry minimum liability as listed above plus $10,000 cargo insurance.
Broker Authority: Brokers must maintain a surety bond or trust fund in the amount of $10,000. We can arrange this for you.
How much will obtaining my ICC Authority / Motor Carrier number / cost?
Our company charges a low price of $650 which includes:Filing your ICC Authority Obtaining a DOT Number All filing fees as well as our application fee for the filing of your Interstate Operating Authority. Securing and filing permanent process agents (BOC-3). There are no annual fees to keep your process agents current as long as your authority is active. Securing your proper insurance filings (you must provide all required insurance at the required limits). Keeping track of your application until your authority is issued.
Who must Apply for DOT numbers?
All motor carriers operating a Commercial Motor Vehicle in interstate or foreign commerce must be assigned & display a USDOT Number before interstate operations begin. This includes all interstate private, exempt, for hire and passenger motor carriers. Motor Carriers operating intrastate transporting any placarded hazardous materials must also comply.
