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What Underwriters Look at Before Quoting a Trucking Business in 2026
A truck insurance quote is based on far more than the truck’s value. Underwriters assess how the business operates, who drives, what is hauled, where the trucks run, and what the loss history shows. Each insurance company weighs risk differently. But inspection history, driving records, cargo, operating radius, equipment, and requested coverage remain central to […]
No, the FMCSA Is Not Raising the $750,000 Minimum — Here’s What Actually Changed in 2026
If you have seen headlines saying the federal truck liability minimum is about to jump from $750,000 to $2 million, $3 million, or even $5 million, there is an important distinction to make: FMCSA has not raised the $750,000 minimum for general freight carriers in 2026. For most for-hire interstate carriers hauling non-hazardous property in […]
Montgomery v. Caribe: What the Supreme Court Ruling Means for Brokers and Owner-Operators
A freight broker does not drive the truck. But after a serious crash, can the broker also be sued because of the carrier it selected? In Montgomery v. Caribe Transport II, LLC, the U.S. Supreme Court said that this type of claim can move forward. The case matters to both freight brokers and owner-operators. Brokers […]
Progressive’s 87.3 Combined Ratio: Why Truck Insurance Can Still Be Expensive in 2026
Progressive reported a Q2 2026 combined ratio of 87.3. That is a strong result for an insurance company. So an owner-operator may reasonably ask: If Progressive is doing so well, why am I still paying so much for truck insurance? The answer is that Progressive’s overall results and the condition of the entire commercial auto […]
Why Commercial Truck Insurance Is Still Expensive in 2026 — Even for Safe Drivers
Commercial truck insurance remains expensive in 2026, and many safe drivers feel the pressure. A trucker may have no recent claims, no major violations, no equipment changes, and no change in routes — yet still see a higher renewal premium. That feels unfair, but it reflects how commercial truck insurance is priced. A premium is […]
$750K vs $1M Liability: What Truckers Need to Understand About Coverage Limits
For many owner-operators and trucking businesses, the question is simple: “Do I really need $1 million in liability coverage, or is $750,000 enough?” The answer depends on more than the legal minimum. In trucking, there is a difference between being technically compliant and being properly protected for the freight, contracts, and risks you actually handle. […]
