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Commercial Auto & Trucking
Primary Liability
Also known as: primary auto liability
The first layer of liability coverage on a commercial vehicle, paying for bodily injury and property damage you cause to others.
Primary liability is the foundation of any commercial auto policy. FMCSA requires a minimum of $750,000 in primary liability for for-hire motor carriers hauling general freight, $1,000,000 for oil haulers, and $5,000,000 for most hazmat carriers. Most brokers and shippers contractually require $1,000,000 regardless. Limits up to $2,000,000 are commonly written; higher limits stack via excess and umbrella layers.
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