Primary Liability Insurance

We aim to provide our customers with the best primary liability insurance at the most affordable rates. At NITIC, you will get consistent support from our highly skilled professionals in getting your insurance done within a day. We are renowned for our speedy claiming process. Once you partner with us, you get quality, reliability, and affordability in several insurance coverages at your convenience.

Meet Your Trucking Needs at the Most Affordable Rate!

Assured protection with exceptionally great service

Whether you are a private carrier, independent trucker, or handle trucking business, your trucks are capable of harming third-party property and doing bodily injury to other people. To safeguard yourself and your trucks from such financial straining situations you need primary liability insurance.

What is Primary liability insurance?

Primary liability covers the damages done to the third party both property as well as bodily injury in the event of an accident when your truck is at fault. This is a mandatory and minimum insurance requirement by the law that you need to carry with you to safeguard other people and their property around.

Circumstances like fire, vandalism, theft, or natural calamities that lead to damage or destruction of your own trucks and shipment are not included in primary liability. If you want coverage for all these risks then you have to take additional truck coverage to safeguard your vehicles, cargo, trailer, or transporter, from such events.

Who needs primary liability insurance?

Any person who drives a vehicle whether for commercial use or personal purpose needs primary liability insurance. Driving vehicles without primary liability insurance will result in penalties and hefty fines as this truck insurance coverage is mandated by state and federal agencies.

Specific insurance requirements for your operation can be found on the FMCSA Website. You can also speak to one of our experienced commercial insurance agents to guide your purchase decision.

Coverage provided by National Independent Truckers Insurance Company, RRG. is rated by A.M. Best and accepted by most motor carriers including but not limited to:

How can you protect your trucks in the best way?

Purchasing primary liability insurance is the best way to begin. If you want to add blanket protection to your trucks then you should consider getting comprehensive coverage, cargo insurance, trailer insurance, etc. in your insurance package.

These insurance coverages will safeguard your trucks and business completely. It will protect your commercial vehicles from every sort of damage both on and off the road. If you have broad coverage then you won’t be held liable for paying all the costs from your own pockets in the event of an accident.

What are the benefits of getting primary liability insurance coverage?

Several benefits come with this insurance including:

What does primary liability insurance NOT cover?

Damages to your trucks resulting from fire, theft, or other factors are not included in primary liability insurance. This policy doesn’t cover your trucks from any sort of damage or own bodily injury arising out of an accident. The sole purpose of this coverage is to protect you against another person’s damages to property and well-being on the road.

Why choose NITIC for primary liability insurance?

We have 30+ years of experience in providing truck insurance solutions to numerous clients in America. We offer the most suitable truck coverages at the lowest price which is a rare combination these days. NITIC aims at providing premium quality service to clients. We guide our customers throughout the insurance process so they get the best deal out of their money spent. We are the right insurer partner for your truck insurance needs!


Sheri is the best customer service rep around. Very pleasant and very informative.




Yes, primary liability insurance is a mandatory requirement by the law. Every state has its own regulation and criteria limit for this policy. It is a basic type of insurance that covers the cost of medical and property damages done to the third party. Also, to use federal highways legally you need to carry this proof of financial responsibility because it is mandatory by the law.

When your truck causes damages (physical and property) to other people then its cost is covered in primary liability insurance. Whereas general liability insurance protects you from lawsuits and all those events that cause damage or destruction to your shipment and trucks.

No, this insurance only covers your liability. The main purpose of this policy is to keep the third party and their properties safe. Primary liability insurance will cover you when your truck does property or physical injury to other people.

The price of primary liability insurance is based on the following factors:

  • The level of coverage you need.
  • Past driving records of your truckers.
  • The state requirements.
  • Accidents and traffic violations.
  • Risk factors.
  • The region you operate.

We provide insurance coverage limits ranging from $35,000 to $5,000,000.