Commercial Truck Insurance

Coverage Options

6 Types of Commercial Truck Coverage

Whether you're an owner-operator running one truck or managing a fleet of 50, we build a policy that matches your operation and keeps you federally compliant.

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Primary Liability

Covers bodily injury and property damage you cause to others while operating your commercial truck. Required by FMCSA for all for-hire carriers — minimum $750K for general freight, $1M+ for hazmat.

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Motor Truck Cargo

Protects the freight or commodity you haul while in transit. Covers theft, damage, or loss of cargo from the point of pickup through delivery. Essential for any for-hire trucker carrying third-party goods.

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Physical Damage

Collision and comprehensive coverage for your truck and trailer — protecting your equipment from accidents, theft, fire, hail, vandalism, and more. Available for owned and leased units.

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Non-Trucking Liability

Also called bobtail insurance — covers you when driving your commercial truck for personal use or when not under dispatch. Required by most motor carriers for leased owner-operators.

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General Liability

Covers third-party bodily injury and property damage that occurs during your trucking business operations but is not related to vehicle operation — loading/unloading incidents, premises liability, and more.

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Occupational Accident

Provides medical, disability, and death benefits for owner-operators who are not covered by workers' compensation. An affordable alternative that covers you when you're injured on the job.

Who We Cover

Built for Every Type of Trucking Operation

BlueNova works with carriers across the country, specializing in Texas and surrounding states. We have relationships with specialty trucking insurers who understand the unique risks your operation faces — so you get real coverage, not a generic commercial auto policy.

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Owner-Operators — Single-truck owner-operators running under their own authority or leased to a motor carrier.
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Small Fleets (2–20 trucks) — Growing trucking businesses that need scalable, fleet-rated policies.
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Specialized Haulers — Flatbed, tanker, refrigerated (reefer), livestock, oversized loads, and more.
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New Authorities — Recently formed trucking companies (0–2 years in business) seeking their first commercial truck policy.
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Long-Haul & Regional Carriers — Interstate and intrastate trucking operations of all sizes.

Compliance & Filings

DOT & MC Filing Requirements

We handle the paperwork so you stay compliant and keep your operating authority active.

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FMCSA Form BMC-91/91X

The primary liability insurance filing required by the Federal Motor Carrier Safety Administration for interstate carriers. We file this directly with the FMCSA on your behalf, electronically, at no extra charge.

General Freight (non-hazmat)$750,000 minimum

Household Goods Carriers$300,000 minimum

Hazardous Materials$1,000,000–$5,000,000

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FMCSA Form BMC-34

The cargo insurance endorsement required for motor carriers hauling household goods. We coordinate both the BMC-91 and BMC-34 filings simultaneously to complete your compliance package in one step.

Minimum cargo liability$5,000 per vehicle

Minimum cargo liability$10,000 per occurrence

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Texas TxDMV Filings

Intrastate carriers operating solely within Texas must file with the Texas Department of Motor Vehicles (TxDMV). We handle state-level filings for Texas intrastate authority, TxDMV Form E, and MCS-90 endorsements.

Texas minimum liability: $500,000 for vehicles over 26,001 lbs gross vehicle weight rating (GVWR).

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Same-Day Filings Available

Need to get your authority activated fast? We offer expedited same-day electronic filings for carriers who need to get on the road immediately. Most filings are processed within 24–48 hours of policy issuance.

Contact a specialist

Why BlueNova

Trucking Insurance Done Right

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Trucking Specialists

Our agents understand the trucking industry — from CSA scores and safety ratings to commodity types and lane restrictions. We don't sell you a generic policy; we build a program for your specific operation.

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Claims Support 24/7

Accidents don't happen 9–5. Our claims line is available around the clock. When you're on the road at 2 AM and something goes wrong, we're on the other end of the line to guide you through it.

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Competitive Rates

We work with specialty trucking carriers — not just standard commercial auto markets — to find you the best rate for your CSA score, safety history, and commodity. Save 15–30% on renewal premiums on average.

Common Questions

Commercial Truck Insurance FAQs

Commercial truck insurance premiums vary widely based on your commodity type, operating radius, CSA score, years of experience, loss history, and the value of your equipment. A single owner-operator with a clean record running general freight can expect $8,000–$14,000/year in primary liability. Specialty haulers or those with a poor loss history may pay $15,000–$25,000+. Contact us for a precise quote — we'll review all factors to find the most competitive rate.

If you're leased to a motor carrier, they may provide primary liability under their authority, but cargo coverage may not be included or may have gaps. It's critical to review the lease agreement to understand exactly what the carrier covers and where you have exposure. Many owner-operators leased to carriers still purchase non-trucking liability and occupational accident policies independently.

The MCS-90 is a federal endorsement attached to your commercial truck liability policy that guarantees the FMCSA minimum limits of liability regardless of whether the insured was in compliance with the policy terms at the time of loss. It's required for all federally-regulated carriers. It doesn't add coverage for you — it's a protection for the public. We include this endorsement automatically on all applicable policies.

Yes. New authorities (carriers with operating authority less than 2 years old) are insurable, but premiums are typically higher due to the lack of operating history. Some standard markets will not write new authorities at all — that's why working with a specialist like BlueNova is essential. We have access to carriers who specialize in new authorities and can get you covered from day one.

We cover a wide range of commodities including general freight, automotive, produce, building materials, steel/metal, paper products, electronics, and more. We also write specialized and high-risk commodities including petroleum products, chemicals, household goods, and oversized loads on a case-by-case basis. Some commodities require additional or excess liability limits — we'll let you know upfront what's required.

Your CSA (Compliance, Safety, Accountability) score is one of the most important rating factors for trucking insurance. High BASIC scores — especially in the Unsafe Driving or Hours of Service categories — can result in surcharges, coverage restrictions, or declinations from standard markets. If you have elevated CSA scores, we work with specialty carriers who focus on operations that are actively working to improve compliance rather than penalizing you unfairly.