What type of insurance is typically required for combination vehicles?

Liability insurance is essential for combination vehicles, such as tractor-trailers, because it covers damages or injuries to other parties if the insured driver is at fault in an accident. This is a legal requirement in most jurisdictions for operating commercial vehicles. In addition to liability insurance, cargo insurance is often recommended or required because it protects the value of the freight being transported. This is particularly important for businesses that depend on transporting goods safely and securely, ensuring that they are covered in case of damage or loss.

The necessity of this dual coverage is underscored by the risks associated with hauling cargo; if an accident occurs, liability insurance addresses the needs of those injured or whose property was damaged, while cargo insurance addresses potential losses related to the goods being transported. This makes the combination of liability and cargo insurance a fundamental requirement for operators of combination vehicles.