# Trucking Insurance Requirements

> BMC-91 minimums, cargo coverage, and the 49 CFR Part 387 financial responsibility schedule.

Source: <https://www.fasttruckingcompliance.com/guides/trucking-insurance-requirements>
Publisher: Fast Trucking Compliance
License: All rights reserved. Citations welcome with attribution and a link back to the source.

## Key takeaways

- 49 CFR Part 387 sets minimum financial responsibility for motor carriers.
- Non-hazmat for-hire general freight: $750,000 minimum primary liability.
- Hazmat: $1M to $5M depending on commodity classification.
- BMC-91 (or BMC-91X) is the FMCSA-filed proof of insurance form.
- Cargo coverage minimum: $5,000 per vehicle, $10,000 per occurrence.

## Topics covered

- BMC-91
- BMC-91X
- 49 CFR 387
- cargo insurance
- primary liability

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