A Brief Overview

Commercial trucking insurance is similar to commercial auto insurance in basic coverage, such as liability, comprehensive, collision and other types of coverage that are specific to business vehicle use. A commercial trucking policy is designed to protect your business from significant losses that could affect your company’s financial well being.

Commercial trucking insurance policies combine several different types of coverage – some are required and some are optional. A typical policy includes some combination of the following:

WE'RE YOUR TRUCKING

INSURANCE EXPERTS

Provides coverage for repair or replacement due to damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles. It protects your assets from unforeseen events like natural disasters. Generally, includes only your comprehensive insurance and collision insurance policies.

• Stated Value on commercial vehicles

• Actual Cost and Replacement Cost Values on PPV’s

• Low Rates on Total Insured Values

• Deductible options from $0 to $5,000

• Non-owned Trailers

• Trailer Interchange Coverage

• Roadside Assistance Options

Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or ensure that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.

• Limits up to $5 Million

• Uninsured Coverage

• Underinsured Coverage

• Property Damage

• Medical Payments Coverage

• Additional Insureds Available

Auto Liability

Physical Damage

Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.

• Many cargo categories available

• Limits up to $250,000

• Deductibles from $0 to $5,000

• All Risk coverage available

• Limited driver restrictions

• Reefer

• No commodity restrictions

• Earned freight coverage

• Removal expenses

• Reefer Breakdown

Cargo Insurance

Trucking Workers Compensation insurance is a mandatory type of insurance for many trucking companies. Workers’ Comp insurance provides coverage for:

• Medical expenses

• Lost income/wages

• Rehabilitation costs

• Death benefits

• And more…

We also have Occupational Accident coverage available specifically for Owner-Operators (O/O).

Trucking Insurance

Workers Compensation