4-wheeler Insurance

When it comes to your commercial truck insurance needs, you have many choices. There’s probably an agent right down the road who says he knows about trucking insurance; and maybe he does write the insurance coverage on a few trucks around town.

Types Of Commercial Truck

  • Flatbed
  • Intermodal
  • Tankers
  • Dump Trucks
  • Dry Van

Insurance Requirements for Trucks

Louisiana state law asks local truck drivers and new ventures to keep a certain amount of liability insurance. The amount you need depends on the type of freight you carry and where you pull it. If you never leave the state, you must get a PSC permit number and have a minimum amount of insurance:

$510,000 Liability Insurance (General Freight)
$1,000,000 Liability Insurance (Oil Transport)
$5,000,000 Liability Insurance (Hazmat)
$300,000 Liability Insurance (Household Goods)
$10,000/vehicle and $10,000/catastrophe Cargo Insurance (All household goods movers, waste haulers, salt water haulers, and towing vehicles)

The insurance requirements for truck drivers who do interstate work are more rigorous. You must meet the above, and you must meet all the DOT truck insurance requirements recommended by the FMCSA. Typical federal liability limits are $750,000 or $1,000,000.

Both Louisiana and the US DOT require certain filings be submitted by your insurance agent. Your agent or insurance company will prepare these filings for you. These forms tell the government that all your semi truck insurance requirements are fulfilled. They must be filed before you can get your authority. Some common forms include:

  • Form H
  • The BMC-94
  • Form MCS-93
  • Form E
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