Trucking Insurance 101: What Coverage Do You Really Need?

When you’re hauling freight across state lines, you’re doing more than driving — you’re running a business. And just like any business, protection matters. That’s where the right truck insurance comes in.

Whether you’re an owner-operator, lease-on driver, or a small fleet manager, understanding the different types of trucking insurance is key to staying legal, safe, and financially protected.

At Logrock, we specialize in helping drivers and carriers find affordable, compliance-ready insurance coverage tailored to how they work. Here’s your guide to the most essential types of commercial truck insurance — explained in a quick, FAQ-style breakdown.

❓ What Is Primary Liability Insurance?

Primary Liability Insurance is required by federal law for all motor carriers. It covers damage or injuries you cause to other people or property while driving your truck.

It does not cover your own vehicle or cargo but keeps you compliant with FMCSA regulations.

❓ What Is Physical Damage Coverage?

Physical Damage Coverage protects your truck and trailer from damage caused by accidents, theft, vandalism, or natural disasters.

This is essential if you want to repair or replace your equipment after a covered event.

❓ What Is Motor Truck Cargo Insurance?

Motor Truck Cargo Insurance covers the freight you’re hauling. If it’s damaged, lost, or stolen during transport, this insurance helps cover the cost.

Shippers and brokers often require this policy, especially for high-value or sensitive loads.

❓ What Is Bobtail Insurance?

Bobtail Insurance provides liability coverage when you’re driving without a trailer—either between loads or after a drop-off.

It’s a must-have for drivers operating under another carrier’s authority.

❓ What Is Non-Trucking Liability (NTL) Insurance?

NTL Insurance covers your truck when you’re using it for non-business purposes, like personal errands or off-duty driving.

It’s often confused with bobtail insurance, but NTL kicks in only during personal use.

❓ What Is General Liability Insurance?

General Liability Insurance protects your business from non-driving risks—like injuries at a delivery site, damage at a loading dock, or legal claims unrelated to an accident.

This is crucial coverage for fleets and owner-operators working in complex or high-volume operations.

❓ What Is Workers’ Compensation Insurance?

Workers’ Compensation Insurance covers medical bills, lost wages, and rehab costs if an employee gets hurt on the job.

Required in most states if you have drivers or staff on payroll.

Need Help Choosing the Right Coverage?

Every trucking business is different. Whether you haul regionally or coast-to-coast, run one truck or a dozen, your policy should fit how you operate. At Logrock, we help truckers build smart, affordable insurance plans that check every compliance box—and keep your business protected mile after mile.

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