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Trucking insurance news, tips, and industry insights.
How Much Does Fleet Truck Insurance Cost in 2026? (By Fleet Size)
Fleet Truck Insurance Cost: What You’ll Actually Pay in 2026 If you’re running trucks, insurance is your second or third largest expense after fuel and driver pay. The problem is that most “cost guides” online are written by people who have never placed a trucking policy. They throw out numbers that are either outdated, too [ ]
Read →Nuclear Verdicts and Truck Insurance: What Every Fleet Owner Needs to Know (2026)
Nuclear Verdicts Are Reshaping Truck Insurance: The 2026 Reality In 2018, a Florida jury awarded $1 billion against a trucking company. In 2021, a Texas jury returned $730 million. In 2023, a Georgia verdict exceeded $200 million. These are not outliers. They are the new normal. Nuclear verdicts, defined as jury awards exceeding $10 million, [ ]
Read →Fleet Insurance for 10+ Trucks: When Fleet Pricing Kicks In (2026)
10 proven strategies to lower your trucking insurance premium without sacrificing coverage — clean MVR, higher deductibles, telematics discounts, bundling, and working with an independent broker who shops 30+ carriers.
Read →Commercial Truck Insurance Requirements by State: 2026 Complete Guide
Commercial truck insurance requirements vary by state. See FMCSA minimums, state-specific rules, and what coverage you need. Free quote.
Read →What is a Certificate of Insurance (COI) in Trucking? A Trucking Insurance Guide
What is a Certificate of Insurance (COI) in Trucking? A Trucking Insurance Guide A Certificate of Insurance (COI) in trucking is a standardized one-page summary document — typically an ACORD 25 form — that proves your trucking operation carries active insurance coverage. It lists your insurer, policy numbers, coverage types, limits, and effective dates, giving [ ]
Read →What is Contingent Cargo Insurance? A Trucking Insurance Guide
What is Contingent Cargo Insurance? A Trucking Insurance Guide Contingent cargo insurance is a secondary coverage for freight brokers that activates when a motor carrier’s primary cargo insurance fails to pay a valid claim. It does not replace the carrier’s obligation to insure the cargo — it provides a backstop when the carrier’s policy is [ ]
Read →What is Occupational Accident Insurance for Truckers? A Trucking Insurance Guide
What is Occupational Accident Insurance for Truckers? A Trucking Insurance Guide Occupational accident insurance for truckers (also called “occ-acc” in the industry) is a benefits coverage that pays medical expenses, disability income replacement, and accidental death/dismemberment benefits to owner-operators who are injured while working. Because owner-operators are classified as independent contractors, not employees, standard workers’ [ ]
Read →What is a Motor Carrier Authority? A Trucking Insurance Guide
What is a Motor Carrier Authority? A Trucking Insurance Guide Motor carrier authority — often called an “MC number” or “operating authority” — is the federal license granted by the FMCSA that permits a trucking company to haul freight for compensation in interstate commerce. Without it, you cannot legally operate as a for-hire motor carrier [ ]
Read →What is a Loss Run Report? A Trucking Insurance Guide
What is a Loss Run Report? A Trucking Insurance Guide A loss run report is an official claims history document issued by your insurance carrier listing every claim filed on your policy over a defined period — typically 3 to 5 years. It shows claim dates, types, amounts paid, amounts reserved (estimated future payments), and [ ]
Read →What is Inland Marine Insurance for Truckers? A Trucking Insurance Guide
What is Inland Marine Insurance for Truckers? A Trucking Insurance Guide Inland marine insurance for trucking is a flexible commercial property coverage that protects equipment, tools, and specialized property while it’s in transit or temporarily away from a fixed location. Despite its name (a historical relic from maritime insurance), it has nothing to do with [ ]
Read →What is an SR-22 for Commercial Trucks? A Trucking Insurance Guide
What is an SR-22 for Commercial Trucks? A Trucking Insurance Guide An SR-22 for commercial trucks is a certificate of financial responsibility — a form filed by your insurance company directly with the state DMV confirming that you carry the legally required minimum liability coverage. It’s not a type of insurance itself; it’s a filing [ ]
Read →What is a Surety Bond for Trucking? A Trucking Insurance Guide
What is a Surety Bond for Trucking? A Trucking Insurance Guide A surety bond for trucking is a three-party financial guarantee that protects shippers and motor carriers from freight broker non-payment. The most common type is the BMC-84 freight broker bond — a $75,000 bond mandated by the FMCSA that all licensed freight brokers must [ ]
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