Frequently Asked Questions: Commercial Insurance & Compliance
Find clear, expert answers to the most common questions about risk management and insurance in trucking and logistics.
What insurance coverage do trucking companies need to operate legally?
(Answer: Commercial auto liability, cargo, general liability, workers’ comp, and umbrella coverage are common requirements depending on operations.)
How can my business lower commercial insurance premiums?
(Answer: Maintain good safety scores, implement driver training, use telematics, and regularly shop coverage.)
What does FMCSA compliance mean for insurance?
(Answer: Compliance with DOT safety regulations affects your risk rating and can directly impact insurance eligibility and costs.)
Can owners be included in workers’ comp policies?
(Answer: In many states, owners are automatically excluded but may elect coverage. It depends on local rules.)
Why do insurers request loss runs?
(Answer: They’re reports of your claims history that carriers use to price coverage accurately.)
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