Liability coverage · Written by RyskLOK
Primary Auto Liability
Bodily injury and property damage your truck causes to others, up to your policy limit.
The coverage your authority runs on
Primary auto liability responds when your covered truck injures someone or damages their property. It is the coverage federal and state financial responsibility rules require of motor carriers, and the foundation of every RyskLOK program.
What it can cover
- Bodily injury to other people caused by your covered truck
- Damage to other people’s vehicles and property
- Legal defense for covered claims
- Limits chosen to meet your filing and contract requirements
Who it’s for
- For-hire motor carriers running under their own authority
- New ventures activating a new USDOT or MC number
- Owner-operators and growing fleets
Common questions
Federal rules set minimum financial responsibility for interstate motor carriers. For most for-hire carriers of general freight in vehicles over 10,001 lbs the minimum is $750,000, and certain hazardous materials require more. Shippers, brokers and contracts often ask for higher limits, so we help you choose a limit that fits how you operate.
No. Auto liability covers harm you cause to others. Damage to your own tractor or trailer is covered by physical damage insurance.
Yes. Have your USDOT number, driver details and a description of your planned operation ready when you request a quote.
This page is general and educational. Coverage, limits and exclusions are set by the policy issued and are subject to eligibility, state availability and underwriting review.
Works well with
Related coverage
Ready to lock in your coverage?
Tell us about your operation and our team will follow up with the options that fit.