Truck Broker Liability Policy Feature Checklist
What to confirm in a truck broker liability policy — what's standard, what's often limited, and what to add if needed — plus the gap most often missed.
Pull out your current truck broker liability policy and check the box next to each feature you can confirm it includes — anything unchecked is worth a quick conversation with your advisor.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Primary Defense When Named in Suit | Confirm the policy defends you as soon as you are sued, without waiting for the carrier's insurer. | Standard | |
| Negligent Selection Claims | Confirm suits alleging you hired an unsafe carrier are covered — the core claim after Montgomery (2026). | Standard | |
| Broker-Carrier Agreement Condition | Some forms void coverage if the carrier never signed your agreement — confirm what is required. | Often limited | |
| Defense Inside or Outside the Limit | Some truck broker forms pay defense inside the limit, shrinking what is left for a verdict. | Often limited | |
| Double Brokering / Dishonest Acts | Dishonest-acts exclusions can remove coverage on a load re-brokered without your knowledge. | Often limited | |
| Punitive & Loss-of-Profit Damages | Often excluded, and punitive damages are not insurable in some states. | Often limited | |
| Shippers as Additional Insureds | Confirm shippers you name as additional insureds are covered for crash suits. | If needed | |
| Cancellation After a Large Claim | Some insurers cancel after paying a full-limit claim even without an aggregate. | If needed |
The gap most often missed in this coverage
The most commonly missed gap in this coverage is buying it by name. Shippers often accept only a truck broker liability certificate, but forms now vary widely — some require signed carrier agreements, pay defense inside the limit, or exclude double-brokered loads. Read the conditions, exclusions, and defense wording, and keep carrier vetting and contracts in line with what the policy requires.
Send us the checklist and we'll review your truck broker liability coverage line by line, then market it across multiple carriers that compete for your account.
Related: Truck Broker Liability Insurance · Truck Broker Liability Supplemental (apply) · All coverage checklists
Frequently asked questions
What should a truck broker liability policy include?
Standard features to confirm in a truck broker liability policy include Primary Defense When Named in Suit, Negligent Selection Claims. This checklist also flags the features that are often limited or sublimited and the ones to add if needed, with a plain-English note on each.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my truck broker liability coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.