Owners and operators of commercial trucks can't get by with a standard commercial auto insurance policy. In addition to protecting the cargo that they carry, truckers must consider the massive physical damage that can be caused by their trucks, the potential environmental issues an accident could cause, and the expensive cost to repair their large vehicles.

Liability Insurance

For bodily injury and property damage liability exposure, one should consider an auto liability insurance policy. This policy will protect truckers by covering many different types of harm that they can unintentionally inflict on others and their property. This includes accidental damage to a retailer’s delivery dock, to other drivers, vehicles, and pedestrians.

Cargo Insurance

Your clients rely on you to safely deliver their cargo in the same condition it was in when they turned it over to you. With cargo insurance you can reimburse a client for qualifying damages made to their cargo during transport—and all without tapping into your business bank account except to pay the deductible.

Non-Trucking Liability

When your truck is without cargo, it still needs protection. Non-trucking liability insurance covers your truck even when it is not operational. Also known as "bobtail" or "unladen". 

Physical Damage

If your truck is in an accident or collision, you need the right commercial insurance policy protecting your financial interests. Collision insurance and comprehensive insurance can cover various accidents and damages caused by theft, vandalism and fire.

Environmental Liability

If your truck carries cargo that can be environmentally toxic or could contribute to pollution, you need special insurance to help pay for the cost of the cleanup if it should be spilled in an accident. Environmental liability insurance will cover this expense, as long as it occurs in a qualifying situation.  

Occupational Accidental

Occupational Accident applies to accidental injuries that occur while under dispatch by a motor carrier. This coverage can provide medical, disability, and accidental death and dismemberment benefits. It is NOT state regulated. 

Workers Compensation 

Workers Comp insurance is required by law in almost every state. Workers comp laws are designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.

General Liability

It pays for property damage or injuries you cause as a result to performing other business activities that not behind the wheel. If you’re a for-hire trucker, or motor carrier, you’ll most likely need Trucker’s General Liability.

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