Insurance Guides

Getting your own authority? Here's the insurance FMCSA requires, the limits brokers expect, why new-authority premiums run high, and how to bring them down.

What actually drives your trucking insurance premium — and why any website quoting you a flat annual price without your information is guessing.

The federal filings required to get and keep your authority — what each one is, who files it, how often, and which ones are insurance versus compliance.

Cargo insurance covers the freight you haul. Here's when it's required, what limit brokers expect, and the exclusions that cause denied claims.

Physical damage covers your own truck and trailer. Here's how stated value works, why the ACV vs stated value distinction matters, and what it never covers.

If you're leased to a carrier, their policy only covers you under dispatch. Here's what non-trucking liability and bobtail actually cover, and why the gap matters.

The MCS-90 is the most misunderstood document in trucking. It is not coverage for you — it is a guarantee to the public, and it can leave you owing your own insurance company.

Hotshot operators face the same federal requirements as Class 8 carriers — and a few problems unique to running a one-ton and a gooseneck. Here's what to know.

What those three numbers on your policy mean, why state minimums are a trap, and the coverage most drivers are missing without knowing it.

Flood, earth movement, sewer backup, maintenance and more — the standard exclusions that surprise homeowners at claim time, and how to fill them.

Bundling usually saves money, but not always. Here's when a multi-policy discount genuinely wins, when splitting carriers is cheaper, and what else moves your premium.

Umbrella insurance adds liability protection above your auto and home policies. Here's how it works, who genuinely needs it, and why it costs less than people expect.