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HOW DO INSURANCE COMPANIES RATE?

Your insurance premium is based on years in business, loss history, accidents and drivers’ experience as well as your company SAFER Scores. Insurance is not simple due to many variable factors and hidden pitfalls. Always request a copy of your signed applications and policy declarations for your file

TRUCKING COVERAGES

Auto Liability

This coverage pays for the other party’s bodily injury and property damage when you are at fault in an accident.

Physical Damage

This coverage pays for your tractor and trailer in case they get stolen or damaged. Specified Perils is less expensive than Comprehensive and Collision.

Motor Truck Cargo

This coverage covers the property being transported by you. Specific types of cargo must be specified. The term “General Freights” is insufficient and misleading. Coverage for Targeted Commodities such as Electronics, Garments, Liquors, etc. is optional and requires an additional premium.

Non-Owned & Hired Auto

This coverage pays for the other party’s bodily injury and property damage caused by a vehicle you hire which is not scheduled on your policy.

Non-Owned Trailer Physical Damage

This coverage covers the physical damage of a trailer you do not own.

Trailer Interchange

It is required if a written Interchange Agreement exists between you and the shipper.  UIIA as well as freight brokers such as JB Hunt and Landstar require this coverage.

General Liability

This coverage protects you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

Warehouse Legal Liability

This policy covers your legal liability as the warehouse owner with regard to a failure to exercise due care to prevent a loss.

Workers Compensation

This coverage is required by California Law as it provides compensation for your employees while they are injured at work.

Occupational Accident

This is a policy that is designed to offer benefits to independent Owner Operators and employees who are not covered under a workers compensation policy.

Bobtail Insurance

Bobtail insurance covers you and your semi-truck when you’re not hauling a trailer or other load.

Non-Trucking Liability

Non-trucking liability insurance protects you from liability in accidents that occur when you’re using your semitruck for personal use.