Commercial trucking is an industry vital to the infrastructure of our economy. Working to move goods from one location to another keeps businesses open and customers happy. With the right truck insurance, you can be confident that your deliveries are protected well beyond the carefully packaged goods you have loaded.
Whether you operate a fleet of vehicles or you are in business for yourself, there is an insurance policy to meet your needs and cover your liabilities. The cost of your premiums will depend on the nature of the coverage you select. There are several key components you should include with your policy.
- Physical damage
- General liability
- Primary auto liability
- Non-trucking liability
- Cargo insurance
- Non-owned liability
- Terminal coverage
- Warehouse legal
Given the nature of your operations, you may not need all of these endorsements. Federal law requires that all truckers carry primary auto liability. The insurance protects you from claims issued by a third-party injured during an accident. If you are not the truck owner, check with your hiring company to see who pays the premium on this type of truck insurance.
Evaluate your need against your operations. Your insurance premium should be affordable, but it should be able to address any incidents you may encounter. Check with a specialized agent for more information on what your business needs.