Types of Insurance Commerical Drivers Need to Think About

Truck Liability Insurance

Whether you are an owner operator or you own a fleet of trucks, you are going to need to have insurance. However, there are so many types of insurance, as well as different prices, it can be hard to figure out exactly what you need.

Here are some types of insurance that you need to think about.

Primary liability. Primary liability is the only coverage that you are required to have. It covers any damages that may occur while you are driving, both injuries to people and damage to property.

Physical damage. You should really have physical damage insurance. This covers your truck and trailer. The cost of this insurance is based on your equipment. The better it is, the more expensive your insurance will be.

If you have a loan on your truck or trailer, the company may require you to have physical damage insurance.

General Liability. General liability protects you for things that occur when you are not driving. If someone falls around your truck, it will protect you. It can also help in disputes with a broker.

Cargo Insurance. If you are hauling precious cargo, you might want to consider cargo insurance. It covers any damage made to the cargo while you are driving. It can also cover the loss of it.

It is important that you read your policy carefully. Many don’t cover cargo if they are left unattended (while you stop at a rest stop to eat or use the bathroom). There may also be limitations on what it covers.

Commercial truck insurance can be quite confusing which is why you need someone to help you through it to make sure that you have the right protection at a good price. Don’t hesitate to contact us for all of your commercial truck insurance needs. We offer insurance for commercial trucks in Florida, Georgia, Texas, North Carolina, South Carolina, Tennessee, Illinois, Iowa, and Nebraska.

 

David Ott

David Ott

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