Every truck on the road is legally required to carry Primary Liability insurance. This essential coverage is the foundation of your trucking insurance package, protecting the public when accidents happen. At FleetGuard USA, we help truckers and fleets secure the right limits, keep costs down, and stay compliant with federal and state regulations.
What Is Primary Liability Insurance?
Primary Liability covers the costs when your truck is involved in an accident that causes bodily injury or property damage to others. Without it, you cannot operate under your own authority.
This coverage pays for:
Medical expenses for injured parties
Lost wages due to injuries
Repairs to damaged vehicles or property
Legal defense if a lawsuit is file
Standard limits begin at $750,000, with $1 million the industry norm. Hauling hazardous materials or operating specialized fleets may require higher limits.
How Primary Liability Differs From General Liability
Although both policies protect truckers from liability claims, they apply in very different situations:
Primary Liability → Covers accidents caused by your truck while driving on the road. It is mandated by the FMCSA for motor carriers and is tied directly to your DOT authority.
General Liability → Covers accidents or claims that arise from your business operations off the road, such as a slip-and-fall at your office, property damage during loading, or contract liability required by a shipper.
In short: Primary Liability protects the public on the road; General Liability protects your business off the road. Most trucking companies need both to operate confidently.
Stay Road-Legal. Stay Protected.
With Primary Liability coverage from FleetGuard USA, you’ll meet federal requirements, safeguard your business, and keep your trucks moving. Whether you’re an independent hauler or managing a growing fleet, we’ll build the right plan to protect you on the road.
Architecture is much more than just designing buildings. It's about creating spaces that inspire, connect, and transform the way we live, work, and play. From iconic skyscrapers to community centers and private residences, architecture has the power to shape our world for the better.
Our architecture services are tailored to meet the unique needs of each project, ensuring that every design reflects the vision and values of our clients. We specialize in a wide range of architecture services, including:
Required by law – You cannot operate without it.
Protects your business – Shields you from massive out-of-pocket costs after an accident.
Supports compliance – Meets FMCSA, DOT, and shipper requirements.
Foundation of trucking insurance – Often paired with Physical Damage, Motor Truck Cargo, and General Liability.
Who Needs It?
Owner-Operators with their own authority
Small Fleets managing compliance for multiple units
Large Carriers that need higher liability limits for contracts and Hazmat operations
Why FleetGuard USA?
At FleetGuard USA, trucking insurance is what we do. We know every fleet has unique needs, and we work directly with underwriters to make sure your policy reflects your risk profile, not a cookie-cutter formula. Our advantages include:
Deep relationships with carriers for competitive rates
Expertise in FMCSA and DOT compliance
Tailored plans based on your operation, routes, and cargo
Fast turnaround for filings, certificates, and renewals
FleetGuard USA provides reliable, customized insurance solutions for trucking companies and owner-operators across the nation. Our mission is to keep you protected on every mile, with coverage you can count on and service you can trust.
Important Notice: This website provides only a general description of insurance coverages and services offered by FleetGuard USA. It is not a statement of contract. Coverage options, terms, conditions, and exclusions vary and may not be available in all states. For complete details, please refer to the actual policy documents, including all endorsements. Coverage cannot be bound, amended, or altered through this website, email, or voicemail messages. All changes must be confirmed in writing by FleetGuard USA and are subject to carrier underwriting approval.
