Degreenine

The Foundation of Your Fleet's Security

Legal requirements

Ensure your business meets federal & state commercial vehicle regulations.

Protect your business

Cover your drivers from third-party injuries, damages, and related expenses

Coverage exclusions

Primary liability is not general liability, and does not cover your assets or personnel.

Risk-based pricing

Fleet profile, risk factors, & coverage needs determine customized premium rates.

Flexible coverage options

Customized to your specific business scale and operational needs for optimal protection.

What’s Covered ?

Third-party injury and property damage
Legal defense costs
Federal - and state-required filings (like Form MCS-90)

Primary Liability Insurance is the mandatory coverage for commercial vehicles that pays for damages and injuries you cause to others, including court costs and legally required filings.

What’s Not Covered?

Damage to your own vehicles
Inuries to your drivers
Cargo damage or loss
Intentional acts or business premises liability

Primary Liability Insurance is not the same as General Liability Insurance, which covers a broader range of incidents, such as slip-and-fall incidents at your place of busines

Protect Your Fleet—and Your Business

Primary Liability insurance is the foundation of any commercial trucking policy. Whether you're an owner-operator with a single truck or managing a fleet across multiple states, this essential coverage is your business's first line of defense on the road. Degree 9 makes it easy to stay compliant with FMCSA regulations while protecting your operation from costly claims. Whatever your fleet size, we’ll help you get the right coverage for your routes, risks, and budget.

What is Primary Liability Insurance?

Primary Liability Insurance covers bodily injury and property damage caused to others when one of your drivers is at fault in an accident. It protects your company from the financial burden of legal fees, medical expenses, and repair costs—and includes your legal defense if you’re sued due to an incident. Not only is it required by federal and state law, it’s also a smart investment in your fleet’s long-term stability, safety, and reputation.

Is Primary Liability Insurance Mandatory?

Yes. All commercial vehicles operating across state lines or under a Department of Transportation (DOT) number are legally required to carry Primary Liability Insurance. It ensures you can cover costs from accidents involving third-party injury or damage.

Can Primary Liability Coverage Be Customized?

Absolutely. At Degree 9, we offer flexible Primary Liability policies tailored to your specific needs—whether you're just starting out or scaling up.

What Affects the Cost?

Your premium is based on a variety of risk factors, including:

Driver history and safety records
Fleet size and vehicle types
Routes and operational radius
Coverage limits
Claims history

Protect What
Drives Your
Business

Let's build a policy
that keeps your business on the road.

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DRIVE SAFE AND SAVE

Lower Your Costs with FleetVantage

Degree 9 clients enrolled in our FleetVantage program may qualify for lower Physical Damage premiums. By leveraging telematics data and promoting safe driving practices, FleetVantage allows you to reduce risk-and insurance costs-through real-time insights and performance.

Learn more about FleetVantage

Primary Liability Insurance