Road Ready Insurance Agency

The FMCSA just warned Congress that the current federal minimum liability requirement for trucking has not changed since 1985. Today, that minimum covers less than 1.5% of the median nuclear verdict in trucking cases. Most fleets don't know this. And most general agents aren't telling them.

Here's what's moving in the trucking insurance market this April:

- THE FMCSA INSURANCE GAP: Federal minimum liability limits are dangerously outdated. If your coverage is sitting at the bare minimum, you may be significantly underinsured.
🔗 freightwaves.com/news/fmcsa-spotlights-truckings-multi-million-dollar-insurance-gap

- CARGO THEFT SURGED 60%: Verisk CargoNet analysis shows cargo theft losses jumped 60% year over year. High-value loads and specific freight corridors are being targeted most. If your cargo limits haven't been reviewed recently, now is the time.
🔗 insurancejournal.com/trucking

- CARRIERS ARE TIGHTENING: Insurance companies are becoming more selective about the risks they write, especially for fleets with prior losses. Fewer carriers competing for your business means higher premiums if you're not working with a specialist who knows where to look.
🔗 marqueeig.com/resources/trucking-insurance-trends-to-watch-in-2026

- TELEMATICS NOW AFFECTS YOUR RATE: Insurers are using in-cab cameras, telematics data, and safety records to evaluate risk and set premiums. Fleets with documented safety programs are being rewarded.
🔗 deeleyinsurance.com/trucking-industry-trends-to-watch-in-2026

If any of this affects your operation, we're here to talk through it.

📞 (954) 953-4845
🌐 roadreadyinsurance.com