What Trucking Insurance Requirements Apply in Alabama?

If you haul property for compensation between Alabama points, the Public Service Commission generally requires intrastate authority unless your operation is exempt; regulated property carriers must file liability proof and cargo proof. An APSC property-carrier certificate or permit carries a $100,000/$300,000 bodily-injury and $50,000 property-damage schedule, while the cargo filing is separate.

What Is Trucking Insurance?

Trucking coverage can address liability, damage to your trucks and cargo losses, but one quote may not include all three. If you haul goods for customers or yourself, compare those protections and check whether the quote needs motor-carrier or other commercial auto coverage. Read the national Trucking guide.

Alabama Trucking Insurance Requirements

Requirement	Details
Intrastate authority	APSC certificate or permit for compensated intrastate property carriage, unless exempt ¹
APSC property-carrier liability filing	$100,000 one person / $300,000 more than one / $50,000 property damage ²
Cargo filing	$5,000 for APSC-regulated property or household-goods carriers ^1,²

What Should You Watch for With Trucking Insurance in Alabama?

Confirm APSC Authority Before Local Hauls
APSC says compensated passenger, property, and household-goods trips between Alabama points require its certificate or permit unless an exemption applies. Ask whether your route, contract, and carrier role fit an exemption before treating interstate authority as sufficient. ¹
Match Liability Proof To The APSC Property Schedule
The APSC table lists $100,000 for one injured person, $300,000 for more than one, and $50,000 for property damage for property authority. Have your agent match the filing to the certificate or permit because the Commission says other state-law requirements may also apply. ²
File Cargo Proof Separately
APSC separately requires regulated property and household-goods carriers to maintain cargo proof, and its current insurance page lists $5,000 for cargo. This filing is not evidence that your cargo is insured for its full value; ask what cargo policy limit and exclusions fit the freight you carry. ^1,²
Use The Exact Permit Name And Address
APSC requires insurance filings to use the full, correct certificate or permit name and a physical address, not a post-office box. Check the named insured and mailing record against the authority before the insurer submits proof. ²

Which Trucking Insurance Providers Have Alabama License Records?

No provider in our research has both a state license record and a listing for this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in Alabama?

Alabama Department of Insurance

The Alabama Department of Insurance oversees insurers and licensed producers, reviews insurance filings, and takes consumer complaints. Its online services page links directly to Alabama company and agent searches, licensing resources, and complaint filing. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (334) 241-4141

Surplus-Lines Tax and Stamping Office in Alabama

Reported tax rate. 6% of taxable surplus-lines premium ^6,^7,^9,^8,¹²

Alabama’s 6% tax applies to surplus-lines premium when Alabama is the insured’s home state; until the state’s multistate compact clearinghouse is operational, Alabama guidance says 100% of the premium on a multistate policy is taxed here. Separately charged policy fees are taxable. Surplus-lines policies do not receive Alabama guaranty-fund protection if the insurer becomes insolvent.

Alabama's diligent-search rule has two exceptions: A broker generally must make diligent effort before a surplus-lines placement; Alabama guidance says three declinations satisfy it. For an exempt commercial purchaser, 15 U.S.C. § 8205 removes that search only after the broker discloses the admitted-market protection difference and the purchaser then requests placement in writing. ^8,^10,¹¹

What Should You Ask Before Buying Trucking Insurance in Alabama?

Does APSC classify our compensated routes as intrastate property authority, or does a specific exemption apply?
Will the liability filing show the $100,000/$300,000/$50,000 property-carrier schedule under the exact name and physical address on our APSC permit?
Does APSC require our operation to file cargo proof, and what cargo limit protects the goods beyond the filing minimum?
Are we acting as a carrier or arranging transportation as a broker, which has a separate APSC filing?

Trucking Insurance in Alabama: Frequently Asked Questions

Do Alabama trucking companies need intrastate authority?

Generally, yes. APSC requires a certificate or permit for compensated property transportation between Alabama points unless the operation is exempt; arranging compensated property transportation instead requires a broker license. ¹

What cargo insurance must an Alabama intrastate property carrier file?

$5,000 is the APSC-listed cargo filing amount for regulated property and household-goods carriers. APSC treats cargo proof separately from liability proof, so ask what additional cargo protection your freight needs. ^1,²

Sources for Trucking Insurance in Alabama

1
Motor Carrier Section. Alabama Public Service Commission; Intrastate Authority; Insurance. Accessed 2026-09-28.
2
Insurance Requirements for Intrastate Authority. Alabama Public Service Commission; Opening scope statement; Property schedule; filing name and address. Accessed 2026-09-28.
3
Alabama Department of Insurance. Alabama Department of Insurance; Official agency homepage. Accessed 2026-09-28.
4
Online Services. Alabama Department of Insurance; Links to Alabama company search, agent search, producer licensing, and consumer complaint services. Accessed 2026-09-28.
5
File a Consumer Complaint. Alabama Department of Insurance; Official online complaint process. Accessed 2026-09-28.
6
Code of Alabama § 27-10-31: Annual Tax of Surplus Line Brokers. Alabama Legislature; Six percent tax on direct surplus-lines premiums, less return premiums and excluding state or federal taxes. Accessed 2026-09-28.
7
Surplus Line Broker FAQs. Alabama Department of Insurance; Page 2: per-policy fees are subject to the surplus-lines broker tax under § 27-10-31. Accessed 2026-09-28.
8
Surplus Line Broker Requirements. Alabama Department of Insurance; Current broker licensing and diligent-effort placement requirements. Accessed 2026-09-28.
9
Surplus Lines. National Association of Insurance Commissioners; Explains that state guaranty-fund protection available in the admitted market is not available for surplus-lines policies. Accessed 2026-09-28.
10
Surplus Line Broker FAQs. Alabama Department of Insurance; FAQ: three declinations satisfy Alabama diligent effort; FAQ references 15 U.S.C. § 8205 as a separate exception. Accessed 2026-09-28.
11
15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
12
Instructions for Multi-State Policies. Alabama Department of Insurance; Current instruction: until SLIMPACT clearinghouse is operational, if Alabama is home state of a multistate policy, 100% of premium is taxed at 6% and remitted to Alabama. Accessed 2026-09-28.
13
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
14
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
15
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
16
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
17
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
18
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
19
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Trucking Insurance Requirements Apply in Alabama?

What Is Trucking Insurance?

Alabama Trucking Insurance Requirements

What Should You Watch for With Trucking Insurance in Alabama?

Confirm APSC Authority Before Local Hauls

Match Liability Proof To The APSC Property Schedule

File Cargo Proof Separately

Use The Exact Permit Name And Address