Commercial Trucking Insurance

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Everything You Need To Know About Commercial Trucking Insurance

Commercial trucking is the lifeline of the US economy. This is an industry solely responsible for moving about 72.5 % of total freight by weight in the country.

The strength and stature of this industry is paralleled by its numerous risks and setbacks. If you own a trucking company, you probably already know how challenging it is to be in this business. Besides trucking insurance being mandated by law, most truck drivers and truck owner-operators prefer getting a wide range of policies for their safety.

Know what more you should consider for getting the best coverage for your trucking insurance needs.

Frequently Asked Questions

What kind of insurance do I need for commercial trucking?

Liability, Physical Damage, Cargo and General Liability are some specified coverage you need for trucking business.

Do truck drivers need separate insurance coverage?

Truck drivers usually need to have their own insurance policies that cover them for any accidents or damage that they may cause while driving. Cargo insurance is also a common requirement for truck drivers, as it covers any goods that are being transported and can become damaged or lost in transit.

How can I figure out what kind of commercial trucking insurance I require?

Talking to an insurance specialist is the best way to figure out what you need. They can walk you through your options and help you choose the best ones for you.

However, the forms of insurance coverage that are most appropriate for you will be determined by a variety of circumstances, including the following:

Age
Driving records
Condition of your vehicles
Use of your trucks and cargo
State and federal requirements
Distance travelled

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Types Of Commercial Trucking Insurance

Here are the major types of commercial trucking insurance available in the U.S.:

Box Truck Insurance
Semi-Truck Insurance
Dump Truck Insurance
Tow Truck Insurance
Flatbed Truck Insurance
Car-Haulers and Auto Trailers Insurance
Tank Truck Insurance
Bobtail Insurance
Short-Term Trucking Insurance
Pick-Up Truck Insurance

What Does Commercial Trucking Insurance Cover?

Commercial trucking insurance provides the following basic coverages:

General Liability Insurance

Provides coverage for accidental damage, property damage, and medical bills associated with the accidents.

Workers Compensation Insurance

Provides coverage as reimbursements for employees’ lost income, medical costs of employees, and rehabilitation expenses, among others. This coverage is designed in such a way that the employees are protected from being fired or having their wages reduced for reporting injuries on the job.

Commercial Umbrella Insurance

Provides coverage when your current insurance policy is not enough to cover large financial losses. Commercial umbrella insurance usually covers errors & omissions, and product liability claims for trucking businesses.

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Commercial Trucking Insurance Checklist

When you purchase commercial trucking insurance, there’s a lot to consider. Have a look through a checklist we have come up with to track your requirements.