Primary auto liability for motor carriers — bodily injury and property damage caused to others while operating your commercial vehicles.
WHAT’S COVERED
01Bodily injuryMedical costs, pain and suffering, and legal liability for injuries you cause to others in an accident.
02Property damageDamage to vehicles, structures, or other property caused while operating a covered truck.
03Defense costsAttorney fees, expert witnesses, and court costs to defend a covered claim.
04MCS-90 endorsementFederal endorsement guaranteeing payment to injured third parties for interstate motor carriers.
WHO NEEDS IT
Interstate motor carriersIntrastate trucking operationsOwner-operators with own authoritySpecialty haulersNew ventures and authorities
FAQ
$750K for general freight, $1M for oil transport, and $5M for hazardous materials. Most shippers and brokers require $1M as a contractual minimum regardless of commodity.
No. MCS-90 is a federal endorsement that provides a separate guarantee of payment to injured third parties, regardless of coverage disputes under the underlying policy. It doesn’t replace standard auto liability.
Liability follows the power unit. Damage to the trailer itself is covered under physical damage, not auto liability.
