Commercial insurance built specifically for Pennsylvania car haulers — from owner-operator rollbacks in Philadelphia to small fleets of stingers out of Pittsburgh. New Car Valuation, Diminished Value, and $1M cargo available. BMC-91X filed at bind.
One program, every line an auto hauler actually needs. No bundled box-truck policies repackaged as car-hauler coverage.
$1,000,000 combined single limit — the standard auto hauler liability requirement for Pennsylvania shippers, dealers, and auction houses.
Limits from $100,000 to $1,000,000+. Auto Haulers Legal Liability (ALHL) form — the one built for vehicles as cargo.
Pays for the drop in a repaired vehicle's market value. Excluded on most stock cargo policies. Included as a quotable option here.
Covers new vehicles at dealer-invoice or MSRP, not wholesale — essential if you haul off the rail or off dealer lots.
Comprehensive and collision on tractors, stingers, stackers, and rollbacks. Agreed value available on qualifying units.
Premises and operations coverage for your terminal, yard, or lot. Required for many PA shipper contracts.
Physical damage for non-owned trailers under your care, custody, and control — common for Pennsylvania interchange haulers.
"Bobtail" coverage for your tractor when it's off dispatch. For leased owner-operators running under someone else's authority.
Filed through FMCSA at bind for every interstate PA carrier. Kept current for the life of the policy at no extra fee.
The Commonwealth is a major auto-hauling corridor — dealer auctions in Manheim and Harrisburg, port traffic through Philadelphia, and cross-dock volume across I-78, I-80, and I-81. Pennsylvania car haulers need a program that understands the lanes and the risk.
PA's PUC regulates intrastate motor carriers of property; interstate carriers fall under FMCSA jurisdiction. Either way, Pennsylvania auto haulers carrying vehicles as cargo need Auto Haulers Legal Liability, not a standard trucker's cargo form — a standard form will leave coverage gaps on the very thing you haul. Pennsylvania's fraud statute also has specific policyholder language you'll see on the application's review screen.
The program writes carriers domiciled anywhere in Pennsylvania. High-volume areas include:
Auto haulers need $1,000,000 combined single limit for auto liability — the limit every shipper, dealer, and auction in PA requires — plus $100,000+ in cargo coverage. PA intrastate PUC-registered carriers have their own state-level requirements that we handle at bind.
Yes. Diminished Value is available on the cargo line. Critical for PA auto haulers — most standard cargo policies exclude it. It means the shipper can recover the drop in vehicle value from a repaired loss, not just the repair cost.
Yes. We quote new-venture Pennsylvania auto haulers daily. Carriers still in the 21-day FMCSA protest window or with MC-only (no DOT yet) can start the application. The program is built to handle pre-operational risks.
Up to 10 power units. If you run more, your quote is automatically routed to our mid-fleet specialty program — you don't have to do anything different.
Yes. BMC-91X is the FMCSA cargo filing required of interstate household-goods and property carriers. We file it electronically at bind for PA carriers and keep it current for the life of the policy.
Your USDOT or MC number to start. The site pulls your FMCSA record and pre-fills most of the application — you fill the rest (driver schedule, VINs, loss runs if any) and hit submit. Quotes are emailed to you.
The most competitive quotes can take up to a week to finalize, however some pricing may be available within a business day. Submit the application and we'll start working the market immediately.
Enter your DOT number and we'll take it from there — FMCSA lookup, app pre-fill, quotes by email.
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