Hunter NelsonOwner of Nelson Insurance Agency

Trucker Insurance Master Policy vs Big Names #truckinginsurance #truckingjobs #truckingindustry

18 Jul 2026 · 1 min

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In this segment, Hunter Nelson emphatically advises truck owners and authority holders to avoid auto liability coverage entirely, stating it is not a recommendation but a requirement. He stresses the importance of securing bobtail and physical damage insurance to protect the truck itself. Nelson warns that non‑trucking liability and bobtail insurance can be very costly, and that carriers such as Progressive or GEICO are rarely the cheapest options unless the driver is a brand‑new CDL holder. He recommends that authority holders obtain a master policy, which can be fully customized, from reputable insurers like Great American, 10‑4, or Zurich, offering a broader range of options and better control over coverage.

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specifying do not let them get auto liability. That's not even a choice. It's not like this is a recommendation. They cannot get auto liability. Do not let them get auto liability. They need bobtail and physical damage if they want to protect their truck. But what I'm getting at is non-trucking liability and bobtail insurance can be very expensive. Going to Progressive or GEICO, it is not recommended. Almost never will they be the cheapest unless they're brand new CDL. What you guys as the authority holder are going to want to do is get a what's called master policy. And this master policy you can really kind of deck out to as much as you want. When you guys have a master policy through a company like Great American, 10-4, Zurich, etc., etc., we have a lot of those options there.