Types of Liability Insurance for Commercial Truckers

Truck Liability Insurance

 

Liability insurance for commercial truck drivers is usually the most expensive part of your insurance, yet it is necessary. In fact, it is the law. You can’t drive without liability insurance.

There are two types of liability insurance that you should look into. They are primary and general liability.

What is primary liability?

Primary liability insurance is what most people think about when they think about liability insurance. It is used to protect you in case another person is injured, as a result of your driving. It also can pay for any damages done to property.

Most commercial trucks need to have a minimum of seven hundred and fifty thousand dollars worth of coverage, though you could be required to have up to five million dollars depending on what you are hauling.

What is general liability?

General liability is different. In fact, it is used for accidents that happen when you are not driving. It covers accidents that happen when the truck is parked, in case you or someone else slips and falls around your truck.

General liability is also helpful if you have drivers. If they hurt themselves at a truck stop or your office, you are protected. If you or your driver delivers the load to the wrong place, your general liability will protect you. It can also protect you against any issues that may arise with a broker.

Coverage for general liability insurance usually starts around three hundred thousand, though some policies go up into the millions of dollars.

Commercial truck insurance can be quite costly. That is why you need to shop around until you find the best deal. 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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