Liability insurance is one of the most important protections you can have for your trucking business: it protects your customers’ cargo in the event of an accident, it helps keep your business afloat in the event of a collision with a third party, and it can even make new contracts available to your company if you have the right insurance limits. But physical damage insurance is just as important, especially as the weather starts to worsen. Make sure your fleet’s or semi-truck’s physical damage insurance is where it should be before winter just in case:
- Your truck overturns. Icy roads are hazardous, and no matter how well you prepare your vehicle or regularly inspect your tires, accidents happen. If your semi-trucks skids on an icy road or foggy weather hides an obstruction until it’s too late to break, your vehicle can overturn. Make sure your truck, trailer, and any equipment are adequately insured.
- Your vehicle is stolen. While theft is a year-round concern, winter presents additional hazards that can make theft more likely. Nights start earlier in the evening and extend further into the morning, which gives more cover break-ins and theft. Many truck drivers also leave their cars running during short stops to keep the interior warm, and unattended vehicles are easy targets.
- Your semi-truck is involved in a collision. It’s not just your customers’ cargo and other vehicles that can be damaged during accidents. Make sure you can get your vehicle back on the road after an accident no matter the circumstances.
Winter has additional dangers for semi-truck drivers, not just additional liabilities. Go to J.E.B. Insurance Services, LLC for more tips about modifying your semi-truck insurance for the seasons.We provide commercial truck insurance in the following states: Florida, Georgia, Texas, North Caroline, South Carolina, Tennessee, Illinois, Iowa & Nebraska.