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Message:: [QUOTE="calnca, post: 11354538, member: 140901"]Sorry, but your wrong. We (insurance carriers) don't combine all lines of coverage to establish rating parameters. Each line of business (Commercial Auto, Personal Auto, Homeowners, Commercial Property, Inland Marine etc) all have their rates levels calculated based on the results from that line of business. We are involved with OO and small fleet operators. The MEGA trucking operators ARE self insured, at least for the primary $ 1,000,000 limit required by the FMCSA. They then need total limits much higher to protect assets etc, and they then come to the voluntary insurance marketplace to build up those limits....in some cases up  to $ 100,000,000 or more. We are NOT involved with the FMCSA......they establish what limits are required and we abide by what they require. We, as an industry, are not pushing for higher limits for trucking operations.....it's not our job.[/QUOTE]