Liability Coverage 101

What is liability insurance coverage and who is it for?

Trucking insurance is mandatory in all 50 states and Primary Liability is required to stay legal on the road.

Let our commercial truck insurance specialists educate you on what insurance coverage you need for your company.

Who is Liability Coverage for?

It is important to keep in mind your legal requirements. Trucking insurance is mandatory in all 50 states, and not having proper insurance could cost you pricey fines or your license. We will help you make sure that you have enough liability coverage for your vehicle, including:

Primary Liability

To stay legal on the road, you are required to have primary trucking liability insurance as a minimum. This type of insurance covers injuries and damage that may occur to another driver and their vehicle in an accident. As a truck driver, your primary liability insurance must be at least $750,000 worth of coverage.

Non-trucking Liability

All time spent in a truck isn’t billable, but it is insurable. When you use your truck for non-business purposes, you need insurance coverage. Non-Trucking Liability offers liability coverage for property damage or bodily injury to a third party when trucks are being used for non-business purposes.


  • Hired Auto
  • Non-owned Auto
  • Excess and/or umbrella up to $5,000,000
  • Medical Payments (PIP Benefits) (where applicable)
  • Uninsured/Underinsured Motorist
  • Blanket Lessee
  • Pollution Buyback

Our Knowledgeable team

Kiel Kilby

Account Executive

Kiel has been with us since the company’s inception and can answer any questions you have related to commercial truck insurance.

Holly Turner

Account Executive

Holly can educate you on commercial truck insurance no matter what you are hauling. We assist long-haul and short-haul truckers, Hazmat Carriers, Fleets, etc.

Zachary Wagner

Account Executive

Zach is dedicated to serving all of his clients to the best of his ability. He will always shop his clients to maintain the lowest possible premiums with the best coverage.

CNS Insurance employees

Get a Quick Quote

Let our commercial truck insurance specialists provide a quote to our preferred markets.

Coverage Questions?

Are you concerned about what coverage you need.