For-Hire Trucking Insurance

For-hire carriers need commercial auto liability, motor truck cargo, and physical damage, plus general liability and the required federal filings. Operating radius, the commodities you haul, driver records, and your loss history drive the program.

Key exposures

• Auto crash severity (the largest exposure)
• Cargo loss or damage
• Operating radius (local vs. long-haul)
• Commodities hauled (some are restricted)
• Driver MVRs, experience, and turnover

Coverages you typically need

Commercial auto liability (with an MCS-90 endorsement for interstate), motor truck cargo, physical damage on your units, general liability, and often trailer interchange or non-owned coverage.

Filings & authority

Interstate for-hire carriers generally file proof of financial responsibility with the FMCSA (the MCS-90 endorsement; BMC-91 form), and some freight requires BMC-34 cargo filings. We make sure your filings match your authority.

FAQ

What filings does a for-hire carrier need?

Interstate for-hire carriers generally need an MCS-90 endorsement (filed via the BMC-91), and certain operations need cargo filings. Requirements depend on your authority and commodities.

How does operating radius affect cost?

Longer radius and long-haul operations generally cost more than local work because exposure and severity rise with miles.

General information from Focus West Insurance Solutions (CA Lic. #0M32679), not coverage advice; coverage, filings, and eligibility vary by operation, authority, and carrier. Related: transportation & trucking insurance · motor truck cargo · hired & non-owned auto.