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10 Reasons Why You Need Trucking Insurance

It’s an ordinary day. You’re heading down the highway, hauling a load of food for a big grocery chain, when suddenly you take a turn too sharply, and you end up tipping over. Groceries spill out everywhere, and some get run over by oncoming traffic. To make things...

Additional Types Of Commercial Truck Insurance

Auto Liability When another party is injured or their property is damaged in an accident and you’re at fault for it, this is the coverage you’re going to need. Physical Damage What about if your tractor or trailer is stolen or damaged? You’re going to need this type...

10. Reefer Breakdown Coverage 

If you own refrigerated trucks, reefer breakdown coverage would cover the cost of things like: Refrigeration breakdown Lost cargo Damage to products because of a collision Some insurance policies have exclusions. For instance, certain products are excluded, such as...

8. Medical Payment

Medical payment coverage pays for any medical bills you or a passenger incur while driving or riding in the truck. Each state will vary in this coverage. This coverage protects you from a variety of claims including bodily injury, property damage, personal injury and...

7. Trailer Interchange

Trailer Interchange insurance provides Physical Damage insurance for trailers being pulled under a trailer interchange agreement. This is essentially Physical Damage insurance for non-owned trailers. This insurance protects you if the trailer is damaged by collision,...

6. Rental Reimbursement

Rental reimbursement is exactly what it sounds like — it provides you with money for renting a replacement truck while your vehicle is being repaired.

5. Motor Truck Cargo

This coverage provides you with protection if the cargo on one of your commercial trucks is lost or damaged. Premiums will depend on the freight type. Specific types of cargo are vital to specify. “General Freights” is an insufficient and misleading term. Coverage for...

4. Bobtail 

Bobtail coverage, also called non-trucking liability, is coverage for circumstances where the truck driver is driving the truck for personal reasons or is off dispatch. Any situations where the owner-operator isn’t covered by primary liability coverage, bobtail...