Hunter Nelson explains why pilot car operations need commercial auto insurance, which is required by state law or brokers like OD North America. General liability runs $50-$100 monthly, while professional liability costs $1,500-$2,500 yearly, though prices vary by situation.
That is the bare minimum. You will 100% need commercial insurance no matter what. It is not like going to be filed or need to be on file with most of the states or anything on those lines. It's not like a federal regulation like it is with trucking where you have filings and it's posted with the FMCSA or the DOT, anything like that. But you will need commercial insurance no matter what. It doesn't matter if it's in your personal name. If you are going to be doing a pilot car, you need commercial auto insurance. If, um, the state's requiring it or a broker's requiring it, you know, like OD North America, um, anything on those lines. General liability is always recommended. As you can see, is the cheapest coverage here, $50 to $100 a month. You, uh, can get a package with your general liability— or I'm sorry, your professional liability— and that can be anywhere from like $1,500 to like $2,500 a year, you know. So again, like, some of this stuff is just going to vary a
