Brian’s Tips: Do I Need Workers’ Comp or Occupational Accident Insurance If I’m the Only Driver?

Hey guys, Brian here. When I first started running my own trucking business, I was the only driver. No employees, no fleet—just me and my rig. I remember sitting down with my broker and asking:

“Do I really need workers’ comp or occupational accident insurance if I’m the only driver?”

It’s a good question, and it confused me at first. Here’s what I found out.

The Short Answer

If you’re an owner-operator with no employees, most states don’t legally require you to carry workers’ compensation insurance—but that doesn’t mean you should skip coverage altogether. You still need protection in case you get hurt while working.

That’s where occupational accident insurance (Occ/Acc) comes in. It’s designed specifically for independent truckers like us who aren’t covered by workers’ comp.

The Difference Between the Two

Workers’ Comp:

• Required for companies with employees (rules vary by state).

• Covers medical bills, lost wages, and disability after a work-related injury.

• Usually more expensive but provides stronger protection.

Occupational Accident Insurance:

• Optional for independent contractors and owner-operators.

• Covers injuries that happen while you’re on the job (loading, unloading, driving, etc.).

• Includes medical expenses, disability, and sometimes accidental death benefits.

• Usually cheaper than full workers’ comp.

When I learned the difference, it made sense why many owner-operators choose Occ/Acc—it gives similar protection at a lower cost, without the strict legal requirements of workers’ comp.

Why I Chose to Get Coverage Anyway

Even though I’m my own boss, I realized I was still my business’s biggest asset. If something happened to me on the road, I’d be out of work, and the bills would keep coming.

I decided to get an occupational accident policy. It gave me peace of mind knowing that if I ever got injured while driving or loading freight, I wouldn’t be stuck with massive hospital bills or lose my income completely.

My Advice

If you’re an owner-operator or the only driver in your company, don’t assume you’re covered just because you have trucking insurance. Liability covers others—Occ/Acc covers you.

It’s not required in every state, but it’s one of the smartest investments you can make to protect yourself and your business.

Get Protected Before You Hit the Road

Want to find out what coverage fits best for you? Call 516-277-0812 or fill out the online form here: Request a Trucking Insurance Quote. The team helped me find the right balance between protection and cost—and now I never roll out without it.

Brian’s Tips: Does My Policy Cover Cargo Theft or Damage During Hauling?

Hey guys, Brian here. One thing I learned early on in trucking is that protecting the truck itself is only part of the picture. The cargo we haul is just as important—sometimes it’s worth more than the truck. That got me asking:

“Does my insurance policy cover cargo theft or damage while I’m hauling?”

If you’ve ever wondered the same, let me share what I’ve learned from experience and talking with brokers.

The Difference Between Liability and Cargo Coverage

Your basic trucking liability policy doesn’t cover the freight in your trailer. That liability only protects you if your truck causes injury or property damage to someone else.

To protect what’s inside your trailer, you need something called motor truck cargo insurance. This is what covers the goods you’re hauling if they’re stolen, damaged in an accident, or even ruined because of fire, collision, or certain weather events.

What Cargo Insurance Usually Covers

Most cargo policies include:

• Theft of the load (a big deal for long-haulers who park overnight)

• Damage from accidents or collisions

• Fire or natural disasters

• Loading and unloading incidents

• Refrigeration breakdown (if you haul perishables, but make sure it’s specifically listed)

What Cargo Insurance Might Not Cover

Here’s where it gets tricky. Cargo insurance doesn’t cover everything. A few common exclusions are:

• Theft if the truck was left unattended or unsecured

• Certain high-value items like jewelry, electronics, or alcohol unless scheduled separately

• Damage from poor packaging

• Losses caused by delays or missed deliveries

I remember one time I was asked to haul a high-value load of electronics. My broker made sure I had the right endorsements before I agreed. If I hadn’t, my regular cargo policy wouldn’t have covered it.

My Advice

Don’t assume your policy covers cargo theft or damage just because you have trucking insurance. Double-check your cargo policy limits, exclusions, and endorsements. If you’re hauling specialty loads or anything with high value, talk to your broker before hitting the road.

The Bottom Line

Cargo theft and damage are real risks in this business. The only way to make sure you’re covered is to have the right motor truck cargo insurance in place. It protects your loads, your reputation, and your bottom line.

Get Covered the Right Way

If you want to make sure your cargo is properly protected, give the team a call at 516-277-0812 or fill out the online form here: Request a Trucking Insurance Quote. That’s what I did, and it gave me peace of mind knowing both my truck and my loads are protected.

Brian’s Tips: Can I Lower My Truck Insurance Premium With Safety Programs?

Hey guys, Brian here. If you’re like me, you’ve probably wondered if there’s any real way to bring down those insurance premiums besides just waiting for time and a clean record to kick in. One question I had early on was:

“Can I actually lower my truck insurance premium with safety programs?”

The short answer? Yes — and in more ways than you might think. Let me break down what I’ve learned.

Insurance Companies Reward Safety

Insurance companies love to see proof that you’re lowering your risk. At the end of the day, that’s what insurance is all about: how risky you are to cover. The safer you look on paper (and in practice), the more likely you are to get a discount on your premium.

Examples of Safety Programs That Help

Here are a few programs and tools that made a difference for me:

• Defensive Driving Courses: Completing a certified safety or defensive driving program can knock some dollars off your rate. Some carriers even require it for new drivers.

• ELDs and GPS Tracking: These not only keep you compliant but also show insurers you’re organized, efficient, and less likely to run into violations.

• Dash Cams: I installed one in my truck, and it’s a game-changer. It helps prove I wasn’t at fault in close calls, and my broker told me it made me look like a lower-risk driver.

• Regular Maintenance Programs: Keeping up with inspections, tires, brakes, and logs reduces the chance of accidents caused by equipment failure. Some insurers ask for proof of maintenance and reward you for it.

• Anti-Theft Devices: Especially if you haul valuable cargo, adding extra security features can lower risk and sometimes premiums.

My Experience

When I added a dash cam and enrolled in a safety program for long-haul operators, my broker was able to use it as leverage to shop better rates. It didn’t slash my bill in half, but the savings added up. More importantly, it gave me peace of mind knowing I had proof on my side if anything ever happened.

The Takeaway

Yes, safety programs can lower your truck insurance premium. The trick is not just doing them, but making sure your broker knows about them and uses them to negotiate with the right carriers.

My Advice

If you’re running your own truck or fleet, don’t look at safety programs as just another chore. They protect you, make you more attractive to brokers and shippers, and can help cut down your insurance costs.

Want to find out how much you could save? Call 516-277-0812 or fill out the form here: Request a Trucking Insurance Quote. That’s the step I took, and it helped me keep more money in my pocket and more wheels turning on the road.

What’s the Best Way to Save Money on Long-Haul Truck Insurance?

Hey guys, Brian here. Owning and running a trucking company isn’t cheap. Between fuel, maintenance, permits, and everything else, insurance can feel like one more bill that’s eating into your profits. When I first started, I asked myself the same thing you probably have:

“What’s the best way to save money on long-haul truck insurance?”

After going through the process myself (and talking to a lot of brokers), I’ve learned a few ways that really make a difference.

Keep a Clean Driving Record

It sounds obvious, but nothing affects your insurance rates more than your driving history. Tickets, accidents, and violations can skyrocket your premium. I made it a rule for myself—and anyone I hire—that safety comes first. A clean record doesn’t just keep you out of trouble, it saves you thousands over time.

Watch Your Radius and Routes

Long-haul drivers like me (500+ mile radius) usually pay more than local haulers. Why? More time on the road means higher risk. If you can, be strategic about what lanes you run. Even cutting back on a few high-risk states can help lower your premium.

Use Safety Tech

Insurance companies like when you use things that make you safer. Dash cams, GPS tracking, ELDs, and even anti-theft devices can sometimes qualify you for discounts. I installed a dash cam in my truck, and not only does it protect me in case of an accident, but it also showed my broker I take safety seriously.

Bundle and Build Loyalty

Some insurance companies will cut you a deal if you bundle policies, like commercial auto and general liability. And if you stick with a carrier and keep a clean record, your premium can drop over time. When I renewed after my first year, my rate went down just because I stayed claim-free.

Shop Around (With the Right Broker)

This is the big one. Not every insurance company wants to write long-haul truckers. Some specialize in local fleets, others focus on hazmat, and some flat-out avoid high-radius drivers. A good broker knows which carriers are hungry for your type of business and can match you with the best price. That’s what made the difference for me.

My Takeaway

There’s no magic button to slash your truck insurance costs overnight. But if you keep your record clean, show you’re committed to safety, and work with a broker who knows trucking, you’ll save money in the long run.

Get Covered Without Overpaying

If you’re an owner-operator or run your own trucking company like me, don’t settle for overpriced policies. Call 516-277-0812 or fill out the online form here: Request a Trucking Insurance Quote. The right coverage at the right price can keep you rolling without breaking the bank.

What’s the Minimum Liability Coverage I Need to Stay Compliant with FMCSA/DOT?

Hey guys, Brian here. I run my own trucking company, and like a lot of you, I had to figure out the insurance side of things when I got started. One of the first questions I asked was:

“What’s the minimum liability coverage I need to stay compliant with FMCSA and DOT rules?”

At first, I thought it was just about finding the cheapest way to check the box, but I quickly learned there’s more to it. The right coverage not only keeps you legal, it protects your business and keeps the loads coming.

FMCSA Requirements in Plain English

Here’s what I found when I dug into the FMCSA rules. The minimum liability insurance depends on what you’re hauling and the type of vehicle you’re driving:

• $750,000 minimum for most general freight

• $1,000,000 minimum is what most brokers and shippers require (even though $750,000 is the legal minimum)

• $1,000,000 to $5,000,000 if you’re hauling certain hazardous materials

• $5,000,000 minimum for explosives and other high-risk hazmat loads

• $300,000 minimum for smaller trucks under 10,001 pounds carrying non-hazardous freight

Even though $750,000 will technically keep you compliant, most truckers—including me—carry at least $1,000,000. It just makes life easier when dealing with brokers and shippers.

Why I Didn’t Stick to the Bare Minimum

I thought about going with the $750,000 at first, but here’s why I didn’t:

1. Most freight brokers I wanted to work with demanded $1,000,000.

2. The cost of a serious accident could easily go past $750,000.

3. I wanted peace of mind that one claim wouldn’t sink my business.

For me, it was worth paying a little extra to make sure my trucking company was protected.

The Filings You Can’t Forget

Another thing I learned the hard way: it’s not just about buying insurance, it’s about making sure your insurance company files the right paperwork with the FMCSA.

• The BMC-91 (or BMC-91X) proves you have the liability coverage.

• The MCS-90 endorsement confirms it meets federal requirements.

If those filings aren’t in place, your authority can get shut down, even if you’ve already paid your insurance bill.

Final Thoughts

So here’s the bottom line: FMCSA says long-haul truckers need at least $750,000 in liability coverage, but most of us end up with $1,000,000 to stay competitive, keep brokers happy, and protect our businesses.

My Advice to Other Truckers

Don’t cut corners. Get the coverage you really need, not just the legal minimum. It’s one of the smartest investments you can make in your trucking business.

If you’re ready to get set up, call 516-277-0812 or fill out the online form here: Request a Trucking Insurance Quote. That’s what I did, and it gave me the confidence to focus on what I do best—running loads and building my business.