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High-Risk Truck Insurance in 2026: What Makes a Carrier Harder to Insure?
High-risk truck insurance does not always mean a trucker is unsafe. In many cases, it means the insurance carrier sees too much uncertainty: limited operating history, weak documentation, prior claims, poor inspection results, difficult cargo, or exposure in higher-risk states. In 2026, this matters because commercial auto remains one of the hardest insurance lines. The […]
C.H. Robinson’s $604 Million Case: What Trucking Businesses Should Know
A freight broker hires an independent motor carrier. The carrier has a Satisfactory FMCSA safety rating. A serious crash happens. Can the broker still be held responsible? A Dallas County jury recently said yes. What Happened? On July 23, 2026, a jury returned a $604 million advisory verdict in Lipe v. Lupus Superior, LLC, et […]
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 […]
