Protect your cargo and your business with Comprehensive Trucking Insurance
We understand that it may be difficult for you to find the right insurance policy as a trucker. With high premiums, coverage limitations, complicated regulations, lack of transparency, and slow claims processing, it’s easy to feel overwhelmed and uncertain about which policy to choose.
First, we’ll work with you to identify your specific insurance needs, including coverage for liability, cargo, and physical damage. Then, we’ll help you compare policies and find one that offers comprehensive coverage without breaking the bank.
Trucking industry is heavily regulated, which can make insurance regulations seem complicated and confusing. But with our help, you’ll have access to the expertise you need to navigate the regulations and find a policy that meets all the legal requirements for your state and industry.
Transparency is key when it comes to insurance, and we know that some policies can be difficult to understand. That’s why we’ll make sure you have all the information you need to make an informed decision. No more surprises or hidden limitations – you’ll know exactly what your policy covers.
Motor Truck Cargo Coverage Tips
As an insurance agent (truking insurance), you know how important it is to have your insureds covered in all aspects. I wanted to take a moment to talk to you about the importance of having the correct limits and commodities insured for our Motor Truck Cargo coverage.
As you know, the trucking industry is constantly evolving, and it’s important for your clients to have adequate cargo limits to protect their freight. However, it’s equally important to ensure that all relevant commodities are covered by the insured’s policy. We are able to offer your customers coverage for just about all types of commodities, so please do not hesitate to reach out if you have any questions.
Motor Truck Cargo Coverage
If you need any assistance in reviewing or updating your clients’ Motor Truck Cargo coverage, please don’t hesitate to reach out to us. We’re here to help and ensure that your clients have the right coverage for their needs.
As a reminder, we also offer Physical Damage and General Liability coverage for motor carriers as well as Contingent Cargo, Contingent Auto Liability, and General Liability for freight brokers. Let me know if you have any questions!
Truck Insurance FAQs
Whether personal use of a commercial truck is covered by insurance depends on whether the driver is operating under their own authority or is leased to a motor carrier. If the driver is operating under their own authority, their insurance policy typically covers all personal use. However, if they are leased to a motor carrier, their policy usually only covers business use. In this case, they may need to purchase Non-Trucking Liability insurance to cover their personal use of the vehicle.
A deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in. For example, if you have a $1,000 deductible and your truck is damaged in an accident that costs $5,000 to repair, you’ll pay the first $1,000 and your insurance company will pay the remaining $4,000.
Bobtail insurance is a type of non-trucking liability insurance coverage that provides liability protection for commercial truck drivers when they are using their vehicle for non-business purposes, such as driving to the grocery store or going on vacation.
The cost of trucking insurance can vary depending on a variety of factors, including the type of truck, the type of cargo being transported, the distance being traveled, and the driving record of the driver. Generally, commercial trucking insurance can cost thousands of dollars per year.
Physical damage coverage pays for repairs to your truck if it’s damaged in an accident, whether it’s caused by a collision with another vehicle or a falling tree branch. It includes collision coverage, comprehensive coverage, and fire and theft coverage.
Liability coverage is mandatory insurance coverage that pays for damages you cause to other people and their property. It includes bodily injury and property damage coverages.
