Commercial Trucking in Utah.
Commercial trucking is the core policy that lets a motor carrier or owner-operator run loads: primary auto liability, physical damage on the tractor and trailer, and non-trucking (bobtail) liability when you're off dispatch. It carries the limits and filings brokers, shippers, and the FMCSA require before you can haul.
What commercial trucking protects.
Primary auto liability for injuries and property damage in a trucking accident
Physical damage (collision and comprehensive) on your tractor and trailer
Non-trucking / bobtail liability when the truck is off dispatch
The MCS-90 endorsement — FMCSA financial-responsibility proof
Additional insured for the broker or shipper your contract names
What commercial trucking costs in Utah.
What drives the price: your radius and commodities, the unit value, driver MVRs and experience, loss history, and the limits/filings you need.
A single Utah owner-operator running regional general freight under their own authority is rated per power unit — often a few hundred to over a thousand dollars a month per truck.
Illustrative only — not a quote. Commercial Trucking pricing is set by the carrier; your real number comes from a licensed producer after we shop A-rated carriers for you.
Owner-operators running under their own authority, motor carriers and fleets, hotshot haulers, and last-mile operators. If you run under a motor carrier's authority, a primary-liability filing is required — and brokers won't tender a load without proof of it.
Interstate Utah carriers need active FMCSA operating authority (MC number) and federal filings before the policy can run loads; intrastate-only carriers register with UDOT. We make sure your filings are in place so a broker's check comes back clean.
How Keel handles your commercial trucking.
Tell us about it
Text us what you need for commercial trucking — no forms, no phone tag.
We shop A-rated carriers
We compare the carriers we're appointed with and bring back real options, not estimates.
A licensed producer reviews
A real producer checks the coverage and limits — nothing binds automatically.
Bound, proof in hand
Once you're set we bind it and send your documents, often the same day.
Commercial Trucking in Utah
01What auto liability limit does a trucking policy need?
$1M combined single limit is the FMCSA minimum for general freight, and the contract norm brokers ask for — higher for hazmat or passenger operations. We rate it against trucking-appetite carriers and a licensed producer reviews before binding.
02What is an MCS-90, and do I need one?
The MCS-90 is an FMCSA endorsement proving financial responsibility for a motor carrier. If you run under your own authority, you need it on file. We make sure it — and the BMC-91/91X liability filing — is in place.
03Can you add the broker or shipper as additional insured?
Yes. Brokers and shippers routinely require additional-insured status and sometimes a 90-day notice of cancellation. Send us the contract language and we'll match it on the certificate.
04I'm leased to a carrier — do I still need my own policy?
Often yes. Leased-on owner-operators may run under the carrier's liability filings but typically still need bobtail / non-trucking liability and sometimes occupational-accident coverage. We'll sort out exactly what your lease requires.
Coverage that often goes with it.
General Liability
General liability is the coverage clients, landlords, and contracts ask you to carry.
Learn more →Business Owner's Policy
A Business Owner's Policy (BOP) bundles two essentials — property and general liability — into one policy, usually at a better price than buying them separately.
Learn more →Workers' Compensation
Workers' compensation covers medical bills and lost wages when an employee is hurt on the job — and protects you from most related lawsuits.
Learn more →Ready to get commercial trucking handled?
Text us and we’ll shop it — a licensed producer reviews before anything binds.