Hey owner-operators and small trucking business owners! Navigating the world of trucking insurance can feel like a heavy haul, especially when it comes to understanding the critical differences between primary auto liability and general liability. This no-nonsense guide cuts through the confusion, explaining exactly what each type of coverage does, why you need both for true protection, and what risks you face if you skip one. We break down the federal mandates for primary auto liability and how general liability safeguards your business from non-driving incidents like slip-and-falls or property damage. Get straight answers on costs and compliance, ensuring your rig and your livelihood are always covered, preventing costly out-of-pocket surprises. Make smart choices to stay compliant and protect your hard-earned business.