Yes, and it changes how the risk is underwritten. Nothing stops a non-driving owner from holding the authority, but anyone actually driving needs the CDL, and the insurer rates the drivers you schedule rather than the owner. An owner who does not drive usually means hired drivers, which puts weight on hiring standards, motor vehicle record checks, and turnover. California adds a classification question, because whether a driver is an employee or a contractor outside the ABC test decides whether workers’ compensation applies. Settle that before the first load.
Related FAQs
Cargo terms vary by commodity and limit. Some goods may be excluded or limited, so we review the details with you.
Non-trucking liability generally applies when you drive the truck without a load and not under dispatch.
It is a federal endorsement tied to financial responsibility for many for-hire carriers. Whether it applies depends on your operation.
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