The trucking industry can be very unique, and also very risky if you are not insured in the places you need to be covered.  Finding an agent who specialize in this industry is very important as they can help you select the right coverage you need based on the risks you may face on the road or off it.  Whether your business operates through a fleet of trucks or you run smaller operation using only a single truck we can provide you a variety of options for the coverage you need.  Trucks carry more than just a heavy load, they usually carry a great deal of risk as well. 

Your insurance needs may be different depending on how your trucking business operates.  Whether you work as an aggregate hauler leased to a motor carrier or you operate as your own motor carrier under your own authority your insurance needs can be very different.  If you aren’t sure what coverage you need or are simply looking for the best available coverage options, finding a good agent can help.  When looking for the right agent for you look for things like:

1. Someone who specializes in truck insurance.
2. Someone with a lot of options to choose your coverage from.
3. Look for an agent with a good reputation. (4 & 5 Star Reviews on Google/Facebook, A+ Rating with Better Business Burrow & Trusted Choice, etc.)
4. Find a nice agent, trucking can be frustrating so who needs to deal with some snob when it comes to something as important as insurance on your livelihood.

Aggregate Hauler

If you are an aggregate hauler leased under a larger motor carrier you may already have a head start by having primary liability provided for you.  However, you will still likely need to acquire coverage (Physical Damage Insurance, Non-Trucking Liability, Motor Truck Cargo, etc.).  Even if your motor carrier offers coverage to you for this, you still might be able to obtain better coverage at a better price.  Doing this also may provide you more flexibility by allowing you to cover your trucks the way you feel most comfortable.

Questions to Ask your Agent:

1. What is Bobtail insurance?
2. What does Cargo Insurance Cover?
3. Are there any exclusions (Always ask as there almost always is!)

Owner Operator

As an owner operator working under your own authority you will need to your own commercial trucking insurance.  This may include:

1. Physical Damage Coverage
2. Liability Insurance 
3. Motor Truck General Liability Insurance 
4. Motor Truck Cargo Insurance 

There are many more options you will want to include in your coverage, and this is why finding a good agent is so important.  When it comes to your business make sure you have the security of knowing your coverage has you protected.

Questions to Ask your Agent:

1. Do I need Comprehensive and Collision Coverage?
2. What does Cargo Insurance Cover?
3. Is there a difference between Primary Liability and General Liability?

For another great resource for more info on Commercial vehicle coverage, please feel free to click the link below to visit TrustedChoice, who we are a proud member of:

• Commercial Vehicle Insurance 101 – TrustedChoice