Hunter NelsonOwner of Nelson Insurance Agency

Tanker Trucker Insurance Milk Hauling Coverage Explained!

17 Jun 2026 · 1 min

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In this brief instructional video, Hunter Nelson addresses tanker truck drivers who haul milk for hire. He clarifies that, although milk is classified as a pollutant, drivers do not need the standard $5 million hazmat liability coverage. He then outlines the typical liability and cargo insurance limits that customers, brokers, and contracts expect: a $1 million liability limit is common, while cargo insurance is usually much cheaper, often ranging from $25,000 to $50,000 depending on the value of the milk being transported. Nelson emphasizes that many contracts request a $100,000 cargo coverage amount, but the realistic range is lower, and he reassures drivers that they are “sitting good” with these figures.

Chapters

are doing milk hauling for hire, you guys are tanker truckers, what does that all look like, right? So I'll get into first here the coverages. When you guys are looking for coverages on this stuff, yes, you guys are hauling something that is a pollutant, but no, you do not need $5 million in coverage for hazmat, uh, related operations, anything on those lines. So you guys are sitting good there. So million-dollar liability Cargo, typically it's a lot cheaper on the cargo side. So I mean, I could rip out the $100,000, just be safe, because that's what most of your guys' contracts, customers, brokers, whatever, are going to want. Uh, typically you guys would be more in that $25,000, $50,000 range, uh, for the cargo. If, if, just kind of depends, obviously, the value of the milk that you guys are hauling, right? Yeah.