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Primary Auto Liability insurance is the foundation of every compliant trucking operation. It protects your business when a covered truck causes bodily injury or property damage to others. One serious accident without proper limits can shut down an owner operator or a fleet overnight.
Cogo Insurance specializes in Primary Auto Liability for owner operators and fleets of all sizes across the United States. We place coverage with trucking focused carriers that understand DOT compliance, fleet operations, and real world loss exposure.
Primary Auto Liability protects against third party claims arising from truck operations. It does not cover damage to your own equipment.
Covered items typically include:
Defense costs are often paid in addition to the policy limit, depending on the carrier and policy form.
Federal and state regulations set minimum limits, but many shippers and brokers require higher amounts.
Common requirements include:
Cogo Insurance helps match your limits to both regulatory rules and contract requirements so you stay compliant and insurable.
Primary Auto Liability is required for:
Most for hire motor carriers must maintain active FMCSA filings at all times.
Auto Liability rates are driven by underwriting data and operating history. Key factors include:
At Cogo Insurance, every submission is reviewed before it goes to market. Clean data and accurate classification reduce inflated pricing and coverage issues.
Many trucking companies come to us after dealing with:
We correct these issues upfront so carriers price your risk correctly and coverage works when it matters.
Trucking is our core focus, not a side line.
We focus on long term insurance programs that grow with your operation.
Yes. Most for hire motor carriers must carry Primary Auto Liability and maintain active FMCSA filings.
No. Damage to your truck is covered under Physical Damage coverage, not Auto Liability.
While federal minimums may be lower, most freight brokers and shippers require $1,000,000 for standard trucking and light hazmat.
Often yes. Brokers usually apply the same minimum limits regardless of fleet size.
Yes. Higher limits are available through excess or umbrella policies when required by contracts or risk profile.
Yes. We review limits, exclusions, filings, and pricing to identify gaps and savings opportunities.
