Hunter NelsonOwner of Nelson Insurance Agency

Motor Carrier Insurance: Essential Coverage Explained! 🚛

4 Dec 2025 · 1 min

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0:58

A short video by Hunter Nelson (Nelson Insurance) explaining the required insurance coverages for motor carriers who have owner-operators operating under their authority. The speaker emphasizes two primary coverages—auto liability (which follows the carrier's MC number) and motor truck cargo (MTC)—and why the authority holder remains responsible for liability even when owner-operators lease onto the authority.

Chapters

You guys use this slang with your insurance agent, they're gonna be dang impressed. Okay, I'm Hunter with Nelson Insurance. I'm gonna go over what kind of coverage you guys need if you are a motor carrier with owner wrappers coming onto your authority. So I get a lot of people asking me about this, what kind of coverage do you need and what does it do, why do you need it and all this sort of stuff. So I'm gonna just go over this here real quick. When you guys are a motor carrier here, you guys are going to have al auto liability and MTC motor truck cargo. If you guys use this slang with your insurance agent, they're gonna be dang impressed. Okay, so the auto liability is going to follow the MC number and so even if there are owner operators leasing out to your authority, the authority holder, the motor carrier is still going to be required to have that auto liability because it's following their coverage. Your guys, MC numbers on the bill of lading, all that type of stuff.