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Truckers Liability (BIPD)

Truckers liability insurance, also known as BIPD (Bodily Injury and Property Damage), is the foundation of every commercial trucking insurance program. Federal law requires a minimum of $750,000 in liability coverage for most interstate carriers, and $1,000,000 for hazmat haulers. We shop your liability across our network of 30+ carriers to find the most competitive rates without cutting corners on coverage.

What's Covered

Bodily injury liability for third-party injuries
Property damage liability for damage to others' property
Federal filing (MCS-90) and state filing included
Coverage for hired and non-owned vehicles available
Defense costs covered in addition to policy limits
Pollution liability endorsement options

Who Needs Truckers Liability (BIPD)?

Every motor carrier operating commercial vehicles needs liability insurance. If you have an FMCSA operating authority (MC number), you must maintain continuous liability coverage with proper federal filings. This applies to owner-operators, small fleets, and large carriers alike. Without active liability coverage, your authority can be revoked.

Frequently Asked Questions

For-hire carriers hauling non-hazardous freight in interstate commerce need a minimum of $750,000. Hazmat carriers need $1,000,000 to $5,000,000 depending on the materials. Many shippers require $1,000,000 regardless of what you haul.
The MCS-90 is a federal endorsement attached to your liability policy that guarantees the public will be compensated for accidents involving your trucks. It is required for all for-hire interstate carriers and is filed with the FMCSA.
Yes. We work with several carriers that write new authorities. Rates will be higher in your first two years, but we can find competitive options even without experience. We help hundreds of new authority carriers get covered every year.

Get a Truckers Liability (BIPD) Quote

We compare rates from 30+ carriers to find the best truckers liability (bipd) coverage for your operation.

Get a Free QuoteCall 317-427-5599