Yes, and not only yours. Underwriters pull motor vehicle records on every listed driver, so the schedule you submit is the schedule you are rated on. For an owner-operator the personal record carries the most weight, because the person driving and the person insured are the same. Violations picked up in a personal vehicle still show on the record and still count. Adding a driver mid-term without telling us is the version of this that causes real trouble, since an unlisted driver in a loss is a conversation nobody wants to have.
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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