Cyber Liability Insurance for Motor Carriers and Trucking Companies
A federal safety rule put a continuous location and cargo recorder in every truck, and made you responsible for who can see it. Cyber Insurance Group has agents dedicated to cyber liability, comparing carrier coverage across 12+ A-rated carriers.
Compare your fleet across 12+ A-rated carriers in about 4 minutes. Free, no obligation, and no need to know your limits in advance. We are an independent agency, so the recommendation is based on what covers your risk, not on one carrier’s product sheet.
Get My QuoteEvery Truck Is a Connected Device You Are Accountable For
Trucking became a data business by regulation rather than by choice, and most fleets still manage that data as paperwork.
Location plus cargo
The record ties a named driver to coordinates, times, shipping document numbers and trailer numbers, continuously.
Vendor platforms hold it
The device is yours but the system behind it is a provider’s, which puts your operational data outside your network.
Driver personal data
A workforce with high turnover means licenses, medical certificates and payroll records accumulating across years of hires.
Downtime has a compliance edge
If the systems that evidence hours and maintenance are unavailable, the decision to keep running is not purely commercial.
The Mandate Also Made You a Data Custodian
The obligation most carriers know is about devices. The one they miss is about access.
What the rule requires of the carrier
A motor carrier required to use an electronic logging device must use only a device listed on FMCSA’s registered ELD list, and the same section addresses user rights management for the carrier’s personnel who are authorized to access ELD records and make edits. Source: 49 CFR 395.22, within the subpart that applies to ELDs used to record hours of service.
What the device actually produces
The specified data elements include latitude and longitude, driver identification, time, vehicle miles, shipping document number and trailer numbers. That combination answers where a named person was and what was on the trailer, for every hour of every shift.
Why that is a security question, not a filing question
Most datasets become harmful when they reach a criminal who wants to defraud someone. This one becomes harmful when it reaches someone who wants to take a trailer. Knowing which lanes carry value, and when a truck is stopped, converts a records exposure into a physical loss in a way almost no other business data does.
What each kind of logistics business controls
- Freight brokers hold a federal registration and a bond. Your identity in the market is the asset, which is why it gets stolen rather than hacked.
- Motor carriers hold a federally required device in every truck that logs where the driver is and what is on the trailer.
- Warehousing and 3PL hold other companies’ goods, and the only reliable record of where inside your building they are.
- Movers and storage hold a federally required itemized list of everything inside one family’s home, filed with both of their addresses.
Why it changes the policy conversation
Two questions matter more than the limit: whether dependent business interruption reaches your ELD and telematics providers, and whether the wording responds to an incident that stops dispatch without any data being taken. Our data breach response guide walks through the sequence.
Built for a Fleet That Cannot Sit Still
Dispatch goes down
Business interruption and extra expense respond to revenue lost while loads cannot be planned, assigned or tracked.
Your platform providers
Dependent business interruption responds when the ELD, telematics or TMS vendor is the point of failure.
Driver and customer data
Breach response and third-party liability respond when personnel records or customer shipment data are exposed.
Extortion
Cyber extortion coverage responds where operational systems are held rather than simply encrypted.
Before You Decide
The objections we actually hear from business owners, answered straight.
What does an ELD actually record about our drivers?
More than hours. The data elements specified for electronic logging devices include latitude and longitude, driver identification, vehicle miles, time, shipping document number and trailer numbers. Put together, that is a continuous record of where a named person was and what they were carrying, generated automatically and retained.
Is ELD data our compliance obligation or our data problem?
Both, and carriers usually only treat it as the first. The rules require a motor carrier to use a device from the agency’s registered list and to manage which personnel are authorized to access ELD records and make edits. That is a data governance requirement written into a safety regulation, and it is the part that matters if the records are ever exposed.
Why would anyone want our location data?
Because it tells them what is worth taking and where it will be. Knowing which loads are high value, which lanes they run and when a truck stops is operationally useful to cargo theft crews. It is one of the few datasets in business whose exposure leads fairly directly to physical loss.
Our ELD provider was breached, not us. Does that matter?
It matters to your drivers and to your customers, who will not distinguish. The device must come from the registered list, but the platform behind it is a vendor holding your operational and personnel data. Dependent business interruption and your vendor’s notification obligations are both worth checking before you need them.
Can a cyber incident put trucks off the road?
It can, which is what makes this sector different from an office business. If dispatch, maintenance records or the hours-of-service platform are unavailable, continuing to run is not simply inconvenient, it raises compliance questions. The safest operational response and the most expensive one are frequently the same.
What does cyber liability insurance not cover for a trucking company?
It does not pay for stolen cargo or for damage to tractors and trailers, which belong to cargo, physical damage and liability policies. It does not answer a safety violation or a nuclear verdict arising from an accident. It covers the incident, the data exposure, extortion and the interruption to your operation.
What Would Cyber Liability Insurance Cost Your Fleet?
Pricing follows fleet size, the platforms you depend on, how access to driver records is controlled, and the controls you can evidence. See the breakdown in our cost guide, or get a number for your operation.
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