New Authority Insurance quote....

Yes. Should have 1 mil (750k by law)

 

No Bobtail Insurance. Instead Non Trucking Liability. Covers you when Unladen( empty) with it without a Trailer. Probably a Ryder of part of the Auto Liability. Not sure. Either way that’s what’s needed. General Liability covers any injuries caused to others by your equipment. Someone gets hurt on your Trailer, or bumps their head on your fender mirror, whatever. It’s extra insurance only required by a few Shippers. Very few. It can always be added later if needed. I had it for a while, it was supposedly going to become required standard by most. Hasn’t happened yet. Maybe turned down 5 loads in 16 yrs. that required it. Others that required it in contract, haven’t enforced it. When required, I check the yes box, let them figure it out. Just one more layer of BS. Designed to protect the Shipper/ Broker. I think a lot have it in their contracts in case it applies to the Load/Shipper. Unless it does, it’s overlooked.

 

The reason I asked about the Bobtail/NTL is because a good agent will know where to go shop you. They go by how long you've had continuous commercial coverage. They both count towards that. Also, rideandrepair has pointed out a major important detail...they didn't quote you for the Auto coverage at all. Call around because that agent seems q little clueless.

 

Most all brokers require a million liability minimum.

 

Get the 1 mil for sure.