Liability Coverage

What is liability insurance coverage?

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 insurance 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.

Questions about this coverage or a policy?

If you have any questions about this coverage or you are unsure what kind of coverages you need for your business, please contact us.

What are the requirements?

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

Liability Insurance Coverage Example

Why do you need it?

In the same scenario we used for your Physical Damage Coverage and Truck Cargo Coverage, let’s see how Liability Insurance Coverage works for you.

Let’s say you run a trucking business that does local deliveries of refrigerated goods to grocery stores and supermarkets.

One of your drivers is making his last delivery for the day and a car cuts him off and stops abruptly at a red light.

The driver is unable to stop, runs into the car and the car is damaged so much that the insurance company totals it. The driver was not injured but was still sent to the hospital just in case.

As a trucking company, you need at least 750k in primary liability coverage, which you have and will be more than enough to cover the $20,000 estimated for the totaled car and the $1,000 bill for the driver to get checked at the hospital.

Our Knowledgeable team

Holly Turner

Agency Supervisor

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 Manager

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.

Erica LeBlanc

Renewal Specialist

Erica is our Renewal Specialist so there is a good chance that you will be speaking with her when your renewal comes up. She is professional, knowledgeable and fully capable of answering any questions you have.

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.

Have a question?

Our Commercial Truck Insurance Specialists are happy to help.

Fill out your information and we will get back with you by email or phone in 24-48 hours.