Primary truck liability insurance pays for bodily injury and property damage claims when your truck is at fault. It’s the coverage FMCSA requires before your MC authority can move a load. See our guide to carrier liability insurance for the full regulatory background.
It pays for bodily injury, property damage, and legal defense costs. It doesn’t cover your own truck or the freight you’re hauling. It’s also distinct from general liability, which covers non-vehicle risks instead.
Primary Liability Coverage Alvix Provides
- Combined single limit (CSL) up to $5,000,000
- Personal Injury Protection (PIP), where your state requires it
- Uninsured/Underinsured Motorist (UM/UIM) coverage
- Any, Scheduled, Owned, Hired, and Non-Owned Autos coverage
- MCS-90 endorsement filed directly with FMCSA on every policy
What Primary Truck Liability Insurance Does Not Cover
- Your own truck, covered separately under physical damage
- The freight you’re hauling, covered under cargo insurance
- Personal use of the truck between loads, see non-trucking liability in our glossary
- Claims above your policy limit, covered by excess liability
Who Needs Primary Truck Liability Insurance
Any commercial truck operating for hire needs primary liability coverage before it can legally move freight. That includes new authorities, established fleets, and independent owner-operators alike.
- Owner-operators running their own authority
- Small and mid-size fleets
- New and first-time carriers activating an MC authority
Vehicle and Cargo Types Alvix Covers Under Primary Liability
Flatbed | Dump | Box | Tank | Reefer | Auto Hauler | Hot Shot | Logging | Cement
Cargo coverage extends to for-hire freight and local and regional hauling as well.
Primary Liability Rates by Vehicle Type
| Vehicle Type | Minimum Rate | Maximum Rate |
|---|---|---|
| Flatbed | $7,000/year | $22,000/year |
| Dump | $6,000/year | $18,000/year |
| Box | $3,000/year | $12,000/year |
| Tank | $11,000/year | $50,000/year |
| Reefer | $7,000/year | $25,000/year |
| Auto Hauler | $8,000/year | $30,000/year |
| Hot Shot | $5,000/year | $16,000/year |
| Logging | $8,000/year | $30,000/year |
| Cement | $6,000/year | $22,000/year |
Actual cost depends on your state, radius, and driving history, see the states we cover below.
States Where Alvix Writes Primary Liability Insurance
Florida | Texas | Georgia | South Carolina | North Carolina | Tennessee | Kentucky | Alabama | Louisiana | Arkansas | Mississippi | Illinois | Indiana | Ohio | Pennsylvania | West Virginia | New Jersey | Kansas | Missouri | Oklahoma | Colorado | Nevada | New Mexico
