
Commercial trucking businesses operating in Illinois must comply with the Federal Motor Carrier Safety Administration’s standards. These regulations establish minimum liability coverage, which varies depending on your business’s industry and workflow. If your trucking business transports hazardous materials, operates over state lines, or carries passengers, you will be subject to different insurance requirements than other trucking companies.
While all trucking businesses must maintain property insurance policies to maintain legal and safe operations, many business owners struggle with individual requirements, especially as their businesses change. Without regular insurance reviews, these changes can lead to costly coverage gaps, potentially endangering your business’s operational or legal status.
This article outlines the role of regular insurance reviews to help your trucking business remain compliant in 2025 and beyond.
What are the FMCSA’s Regulations?
The FMCSA establishes minimum insurance requirements to guarantee that operating businesses maintain adequate coverage for their drivers and vehicles. These requirements differ depending on the cargo and vehicle type. Below is a brief breakdown of relevant FMCSA minimums, according to their website:
- Freight: Minimum coverage of $750,000-$5,000,000 depending on the type of cargo
- Non-hazardous freight (in vehicles less than 10,001 pounds): Minimum coverage of $300,000
- Passenger transports: Minimum coverage of $1,500,000 for vehicles with 15 or fewer passengers; $5,000,000 for higher passenger capacities
- Cargo insurance: Minimum coverage of $5,000 per vehicle
Additionally, the FMCSA requires periodic insurance and safety audits to guarantee that trucking businesses comply with federal, state, and insurance requirements. If your trucking business operates across state lines, you must also maintain the status of an “operating authority” with the FMCSA. This status requires following the above guidelines for minimum insurance coverage.
The Benefits of Regular Trucking Insurance Reviews
In addition to helping businesses comply with FMCSA regulations, regular insurance reviews offer other benefits that can help businesses lower their premiums and improve their operational efficiency. These central benefits include:
1. Protecting Against Losses

Adequate insurance coverage protects your trucking business from financial liabilities related to accidents, damaged or stolen cargo, and injuries. Insurance that meets or exceeds the requirements of the FMCSA can mitigate your risk in terms of asset damage as well as worker, passenger, and third-party liability.
2. Responding to Regulatory Changes
The FMCSA regulations are subject to change as often as yearly. This incentivizes businesses to review their policies and adapt to new regulations. Experienced insurance advisors are aware of relevant regulatory changes to help you adjust your insurance protection accordingly.
3. Maintaining Inaccurate Records
Accurate insurance documentation, including policy limits, certification, coverages, and renewal dates, helps businesses maintain compliance in Illinois. Regular insurance reviews help businesses fix issues in their record-keeping workflows before an auditor discovers them. These regular reviews are also helpful in keeping records up-to-date and organized for easy retrieval.
4. Adapting to Organizational Changes
Changes in operations, such as new cargo, vehicles, drivers, or locations, may impact your business’s insurance requirements. Similarly, if you downsized your organization, your insurance needs may have changed in the opposite direction. Either scenario warrants a policy review to update your coverage to your current needs.
5. Obtaining More Competitive Rates
Market fluctuations affect the value of your policy by changing the rates offered by your insurer and its competitors. Regular insurance reviews help businesses adapt to these changes by renegotiating their terms, changing their providers, or altering their insurance packages to maximize cost efficiency.
Partner with Pro Insurance Group for Expert Insurance Reviews

For trucking businesses, legal compliance and operational safety require updated insurance coverage. By reviewing coverage limits and the FMCSA’s updated guidelines, business owners can protect their vehicles and drivers against costly liabilities.
At Pro Insurance Group, our experienced team helps trucking businesses in Illinois regularly review their insurance policies to obtain the right coverage based on their current needs. Contact us today to schedule an insurance review and secure your compliance for the coming year.