Providing the best security

The potential damage to other people’s property and even to other people themselves can be disruptive to your business operations and deplete your company’s financial resources.

However, with primary liability insurance coverage, you are financially protected against liability claims for bodily injury and property damage that your truck may cause to other people or property. Primary Liability Insurance is also mandatory for all commercial trucks.

Exceptions and Limitations

Primary Liability Insurance will not cover your loss due to fire, theft, vandalism, or other disasters.

Why Primary Liability Insurance Matters: The Benefits You Need to Know

Primary Liability Insurance isn’t just a legal requirement—it’s your business’s first line of defense. Here’s what makes this coverage essential for every commercial truck operator:

Legal Compliance: Every truck operating commercially on U.S. roads must carry this type of insurance. Without it, you can’t get your operating authority or stay on the road legally.
Financial Protection: Accidents happen, and when they do, medical bills, repair costs, and legal fees can add up quickly. This coverage helps protect your company’s assets from being drained by third-party claims.
Peace of Mind for Business Owners: Knowing you’re covered in the event of an accident helps you focus on growing your business instead of worrying about unexpected liabilities.

Whether you’re an owner-operator or managing a fleet, this insurance ensures you’re covered where it matters most. If you’re seeking truck fleet insurance in Downey, California, having solid primary liability coverage is the cornerstone of a comprehensive risk management plan.

What Sets Us Apart: Experience, Service, and Industry Know-How

What makes us different from other insurance agencies?

Industry Expertise: Our team has in-depth experience in commercial truck insurance, so we understand the unique challenges you face on the road.
Responsive Support: We pride ourselves on being available when you need us, whether you have a question about your policy or need assistance during a claim.
Ongoing Policy Reviews: As your business evolves, so should your insurance. We periodically review your coverage to make sure it stays aligned with your needs.

With Rapid Document Insurance Agency, you’re not just buying insurance—you’re gaining a reliable partner in the trucking business.

Frequently Asked Questions (FAQs)

What does primary liability insurance cover in trucking?

Primary liability insurance covers bodily injury and property damage to third parties caused by your commercial truck during an accident.

Is primary liability insurance required for all commercial trucks?

Yes, primary liability insurance is legally required for all commercial trucks operating on public roads in the United States.

Does primary liability insurance cover damage to my own truck?

No, primary liability insurance does not cover damage to your own truck; it only covers third-party injuries and property damage.

How much primary liability coverage do I need?

The Federal Motor Carrier Safety Administration (FMCSA) requires a minimum of $750,000 in coverage, but many shippers and brokers require at least $1 million.

What is the difference between primary liability and general liability insurance?

Primary liability insurance covers accidents caused while driving the truck, while general liability insurance covers incidents unrelated to driving, such as injuries on business premises.

Can I get primary liability insurance without owning a truck?

No, you must own or lease a registered commercial vehicle to be eligible for primary liability insurance.

How do I get a quote for primary liability insurance?

To get a quote for primary liability insurance, you will need to provide information such as your DOT number, vehicle details, business operation type, and driving history to an insurance agent.