Tanker Truck Insurance
for Fuel, Hazmat &
Bulk Commodity Haulers
Commercial truck insurance for liquid bulk, dry bulk, food-grade, chemical, petroleum, fuel, and hazardous material carriers. Same-day quotes. Limits up to $5 million.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
Who We Cover
Tanker Operations We Insure
From fuel haulers to chemical carriers to food-grade tankers — we work with markets that specialize in bulk commodity trucking.
Fuel Haulers
Petroleum Carriers
Propane Haulers
Chemical Carriers
Food-Grade Tankers
Dry Bulk Carriers
Hazmat Waste Haulers
Agricultural Liquid
Industrial Commodities
Liquid Bulk Fleets
What We Offer
Coverage Options for Tanker Operations
Tanker programs are more complex than standard trucking. We help build a policy that matches your commodity, hazard class, and contract requirements.
Commercial Auto Liability
Required coverage for bodily injury, property damage, legal defense costs, and settlements from covered tanker accidents. Available up to $5 million CSL for hazmat operations.
Auto Physical Damage
Covers your tractor and tanker trailer for collision, comprehensive loss, theft, vandalism, fire, and weather. Stated value and agreed value options available.
Motor Truck Cargo
Protects the commodity in transit — fuel, chemicals, food-grade products, dry bulk, or hazardous materials — from covered loss, theft, and transit damage.
Pollution Liability / CA9948
Covers cleanup costs, third-party bodily injury, and property damage from sudden and accidental pollution events — including fuel spills, chemical releases, and cargo leaks.
General Liability
Protects the business from non-auto liability claims including customer-site injuries, loading dock incidents, and delivery-related property damage exposures.
Misdelivery of Liquid Products
Covers liability from delivering the wrong product to the wrong location — a serious exposure for fuel, chemical, and food-grade tanker operators.
Loading & Unloading Coverage
Extends liability protection to incidents that occur during the loading and unloading process at terminals, refineries, chemical plants, and delivery points.
Trailer Interchange
Provides physical damage coverage for non-owned trailers you haul under a trailer interchange agreement with a terminal or fleet.
Excess Liability / Umbrella
Stacks additional limits over your primary auto and general liability — essential for fuel haulers, chemical carriers, and hazmat operations requiring $2M–$5M total limits.
MCS-90 Endorsement
Federal filing required for for-hire interstate carriers under FMCSA authority. Guarantees minimum liability payment to the public regardless of policy exclusions.
BMC-91 / BMC-91X Filings
Electronic proof of insurance filed directly with FMCSA to establish or maintain interstate operating authority for for-hire trucking operations.
Workers Compensation
Required when the business has employees. Covers work-related injuries for drivers, terminal workers, and yard crew.
Eligible Risks
What Commodities Do We Cover?
We work with specialty markets experienced in tanker truck insurance — from single-unit owner-operators hauling diesel fuel to multi-unit fleets moving industrial chemicals across state lines.
Understanding Your Exposure
Tanker Truck Risks Standard Policies Don't Cover
Tanker operations carry exposures that standard trucking policies were not designed to handle. Make sure your program closes these gaps.
Bulk Liquid Spill & Rollover
Liquid surge in a partially-filled tanker can cause handling instability and rollover. Spills create immediate pollution cleanup liability, road closure costs, and third-party injury exposure.
Hazmat Classification Risk
Hauling Class 1–9 hazardous materials triggers higher liability minimums, special endorsements, and FMCSA placard requirements. Your policy must match the hazard class of your cargo.
Pollution & Spill Cleanup
A standard commercial auto policy excludes pollution. Tanker operators need a dedicated pollution endorsement (CA9948 or equivalent) to cover environmental cleanup and third-party contamination claims.
Loading & Unloading Incidents
Spills, overfills, valve failures, and hose disconnects at terminals and delivery points are common exposures. Standard auto liability may not cover incidents while the vehicle is stationary.
Food-Grade Contamination
Delivering edible oils, milk, or juice in a tanker not properly sanitized or previously used for chemicals can trigger a total product loss claim and regulatory liability.
Misdelivery of Products
Fueling the wrong tank, delivering to the wrong site, or cross-contaminating product are serious exposures for fuel distributors and chemical carriers — covered under a misdelivery endorsement.
Regulatory Compliance
FMCSA Liability Requirements for Tanker Trucks
Federal minimum liability limits for for-hire carriers depend on the commodity hauled and its hazard classification.
For-hire carriers hauling non-hazardous liquids and dry bulk commodities in vehicles over 10,000 lbs GVWR in interstate commerce.
For-hire carriers hauling oil, hazardous substances (non-Class A/B explosives), or hazardous waste in interstate commerce.
For-hire carriers transporting hazardous materials including Class A/B explosives, liquefied compressed gases, or radioactive materials.
Required Filings
Federal endorsement guaranteeing minimum liability payment to the public. Required for all for-hire interstate carriers.
Electronic proof of liability filed with FMCSA to obtain or maintain interstate motor carrier authority.
Motor Carrier Permit required for California tanker operations — insurer files proof directly with CA DMV.
State-specific proof of insurance required by certain state DOTs for intrastate tanker and hazmat operations.
How to Get Quoted
What We Need to Quote Your Tanker Program
Tanker submissions are more detailed than standard trucking due to the hazard classification and commodity exposures. Having the following ready speeds up your quote significantly.
Missing information? Start with what you have. Our team will help you gather the rest — call 1-888-254-0089 or submit the form above.
Common Questions