Auto Liability
Covers injuries and property damage you're legally responsible for on the road. Required by the FMCSA.
Commercial Trucking Insurance
Ether Commercial Trucking Insurance
Auto liability, physical damage, cargo and the coverages the FMCSA requires — placed with A-rated carriers.
Required by the FMCSA for every for-hire carrier, your trucking insurance protects your authority, your equipment and your load. Ether places your risk with A-rated carriers and delivers your certificate the same business day — so you stay legal and keep hauling.
Who this is for
- Owner-operators running under their own MC authority
- Fleets adding trucks, trailers or new drivers
- New ventures placing their very first policy
What's required
- USDOT and MC number (or the intent to file)
- Driver list with CDLs and dates of birth
- Equipment list with VINs and stated values
What we'll need from you
- Driver list with CDL numbers and dates of birth
- Equipment list with VINs, year, make and stated values
- Loss runs from the last 3 years, if you've been insured
- Current declarations page, if you have an active policy
- Commodities you haul and your usual operating radius
- Business entity details and EIN
Commercial coverages
Each line explained: what it pays for, who needs it and the minimums the FMCSA expects.
Physical Damage
Repairs or replaces your truck and trailer after a collision, fire, theft or weather event.
Motor Truck Cargo
Protects the freight you haul against damage, theft and loss — often required by brokers and shippers.
Non-Trucking Liability (Bobtail)
Covers your truck when you drive it off-dispatch, without a load or trailer.
Trailer Interchange
Covers trailers you pull under an interchange agreement that aren't your own.
General Liability
Protects your business off the truck — at the dock, the yard and your place of business.
Excess / Umbrella Liability
Raises your limits above your primary policy — often required to haul for larger shippers.
Operations we cover
The kind of freight you haul decides your rate and your filings. These are the operations we place every day.
Auto Haulers
Higher cargo limits and the right physical damage for car-carrying rigs.
General Freight — Dry Van, Reefer, Flatbed
The everyday backbone of freight, insured for its specific cargo risk.
Hazmat
Higher liability limits and pollution coverage for hazardous loads.
Tank Milk & Water Carriers
Specialized coverage for liquid bulk and food-grade tankers.
NAFTA / B1 Cross-Border
Coverage and licensing support for cross-border operations.
Guides for this pillar
The trucking insurance guide for new ventures
How trucking insurance works for a new authority: which coverages you need, what drives your rate and how to start clean. Get your quote from Ether today.
Read moreFMCSA Motus: the new USDOT registration system
Motus is FMCSA's new USDOT registration system at motus.dot.gov. What changed, how to create your account and what to have ready. Talk to Ether today.
Read moreNeed additional assistance?
Esther is here 24/7. Get instant guidance on insurance, certificates, claims, safety, compliance, and more — in English or Spanish.
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Why choose Ether
Insurance is the foundation everything else in your operation stands on — without it, you can't get your authority, keep your contracts or stay on the road. Ether builds your coverage around how you actually run, then keeps it in place as your fleet grows.
Every required coverage
From auto liability to excess umbrella, we place the full range the FMCSA and your contracts expect — under one roof.
Matched to your operation
Auto haulers, hazmat, tankers, cross-border — your policy is rated for what you actually haul, not a generic default.
A-rated carriers
We place your risk with A-rated carriers, so your certificate holds up with brokers and shippers.
Same-day certificates
Once your policy is active, request a COI and we email it directly to your broker or shipper the same business day.
Referral Program
Send us a trucking company. Get paid when it's insured.
Know a trucking company that needs coverage? Send them our way. Once their policy is issued, we pay you for the introduction.
Refer someone
Who can refer:Anyone affiliated with Ether.
You earn
$100per referral
Paid once the referred policy is issued.
How it works
You refer
Send us their contact details, or have them mention your name when they reach out.
We quote and issue
Our team contacts them, quotes the coverage they need, and issues the policy.
You get paid
The moment that policy is issued, your referral payout goes out.
Referral payouts are subject to applicable state insurance regulations.
Talk to this team
Our commercial team walks you through coverage, limits and pricing.
Customer Service (CSR)
service@etherins.comNext step
Auto liability, physical damage, cargo and the coverages the FMCSA requires — placed with A-rated carriers.