What is Commercial Trucking Insurance?
Whether you truck local or Long Haul, we’ve got the right coverage for your Trucking business. Trucking usually requires at least some of the following coverages:
Primary Liability - Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or insure that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.
Cargo Insurance - Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, it's provided by the motor carrier for leased operators.
Physical Damage (Collision, Specified Perils) - Provides coverage for repair or replacement for damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.
Occupational Accident - Product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, occ/acc is similar in scope and intent. Most motor carriers require their leased operators to be covered either by workers compensation or occ/acc at the leased operators expense. For those who qualify, occ/acc is generally a lower cost alternative.
Types of Trucks Covered
Commercial truck insurance can apply to a wide variety of trucks, including:
In addition to the standard coverage offered by most commercial truck insurance policies, you may be able to add optional coverages to accommodate your unique needs, including:
Our insurance agents will work with you to ensure your policy meets your coverage needs.
Blue Sky Insurance offers free, comparative quotes on Commercial Trucking Insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.
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