Commercial Auto Liability Insurance

Agents, do your trucking customers need reliable coverage? Find a general agent today.

Red and white truck driving away on a remote highway surrounded by tall trees.
Two male workers standing behind a loaded truck at a large warehouse, looking at a clipboard together.

What is commercial auto liability insurance?

Liability coverage is mandatory to operate and provides important protection for your business. Bodily injury and property damage liability coverages provide compensation for injuries to others, and for the damage your vehicle does to another person’s property if you cause an accident. Customers choose a commercial auto liability limit that meets their business needs. If required by law, Northland makes prompt Federal Motor Carrier Safety Administration (FMCSA) and State motor carrier filings to keep you on the road.

Included coverage

  • MCS90. Endorsements are provided at no additional cost when required for motor carriers.
  • Pollution. This is included at no additional cost when an MCS90 is attached.
  • Optional additional insured. Endorsements help meet contractual risk transfer requirements, provided at no additional cost.
  • Identity theft protection. This is automatically included in primary liability policies and provides for $2,500 of defense costs against identity theft claims.
  • Family emergency travel. This is automatically included in primary liability policies at no additional cost. The coverage allows for family members to travel to be with an insured in the event the insured is injured and hospitalized, or to handle the immediate affairs of the insured in case of death from an accident to a covered auto up to $2,500 limit for travel expenses.

Optional coverage

Optional coverage availability may vary by state.

  • For intermodal haulers. Our endorsement meets the Intermodal Association of North America (IANA) requirements.
  • Coverage for hired auto and non-owned. This may be needed for fleets or for contractual requirements of shippers.
  • Trailer interchange coverage. This provides legal liability coverage for a loss to a non-owned trailer in the customer’s possession under a written trailer or equipment interchange agreement.
  • Garage keepers’ coverage. This provides legal liability protection for physical damage to a non-owned auto while in the customer’s possession for service, repair, storage, or towing. This protection is usually necessary if the motor carrier has a repair facility and mechanics who work on equipment owned by others.
  • Non-trucking liability (bobtail). This provides liability protection for owner-operators when not operating as a motor carrier or under dispatch for a motor carrier.
  • Deductible reimbursement. This may be purchased to pay the owner-operator back for certain deductible amounts paid to the fleet for damages from a covered cargo or liability loss per the lease agreement.
Male insurance agent wearing a headset, in a meeting, sitting in front of a computer screen.

Agents, do your trucking customers need reliable coverage?

Find a Northland general agent who can help.


Insights to help you manage risks on the road

Trucking Safe Driving Resources

Passing Safely

To pass safely, it’s important to interpret the intentions of other drivers. Watch for clues that the driver of the vehicle you are passing may be intending to slow down, stop or turn.

View of cars and trucks driving down interstate

Trucking Safe Driving Resources

Preventing Rear-End Crashes

Why are rear-end crashes so common? Most drivers are likely to agree that distracted driving, vehicle speed, traffic congestion and aggressive driving are some of the main reasons.

White truck rear ends blue van

Trucking Safe Driving Resources

Preventing Truck Rollover Crashes

Given the seriousness of truck rollover crashes, there are good reasons to work toward preventing them. Recognizing the causes is the place to start.

Yellow truck rollover caution sign