Coverage & Filings Explained
Liability, cargo, physical damage, hired & non-owned auto, MCS-90, BMC-91X and the other terms on your quote.
Commercial auto quotes are full of acronyms and endorsements. These guides explain each coverage in plain English — what it pays for, what it doesn't, and when you actually need it.
Commercial Auto Liability Insurance: Limits Explained
Commercial auto liability explained: combined single limit vs. split limits, how much to carry, and the federal and contract minimums businesses run into.
Hired and Non-Owned Auto Insurance (HNOA)
Hired and non-owned auto insurance protects your business when employees drive their own cars or rented vehicles for work. What it covers, what it doesn't, and typical costs.
Physical Damage Insurance for Trucks and Commercial Vehicles
Physical damage coverage (comprehensive and collision) for commercial trucks and vans: stated value, deductibles, lender requirements and how premiums are calculated.
Motor Truck Cargo Insurance
Motor truck cargo insurance explained: why brokers require $100,000, common exclusions (reefer breakdown, unattended vehicles, theft), and what it costs.
Non-Trucking Liability and Bobtail Insurance
Non-trucking liability (NTL) and bobtail insurance for leased owner-operators: the difference, when you need each, and what they cost.
BMC-91X Filing: Proof of Insurance for Your Authority
What the BMC-91X (and BMC-91) filing is, who files it, how long it takes, and what happens to your MC authority if it's cancelled.
The MCS-90 Endorsement Explained
What the MCS-90 endorsement does, why FMCSA requires it on interstate trucking policies, and the reimbursement obligation carriers often don't realize they have.
Trailer Interchange Insurance
Trailer interchange coverage pays for damage to another company's trailer you pull under a written interchange agreement. Here's how it differs from non-owned trailer coverage.