Trucking Insurance

What is Trucking Insurance?

Trucking Insurance is a specialized type of commercial insurance designed to protect businesses that operate commercial trucks. This insurance provides coverage for a range of risks associated with the trucking industry, including liability, cargo loss, and physical damage to the trucks themselves.

What Does Trucking Insurance Cover?

Trucking Insurance typically includes the following coverages:

• Primary Liability: Covers bodily injury and property damage caused by your truck to others in an accident. This coverage is required by law and is essential for protecting your business from third-party claims.
• Physical Damage: Provides coverage for repairs or replacement of your trucks in the event of an accident, theft, fire, or other covered perils.
• Motor Truck Cargo Insurance: Protects against the loss or damage of goods being transported by your truck. This coverage is crucial for businesses that transport valuable cargo.
• Bobtail Insurance: Covers your truck when it is being driven without a trailer, also known as "bobtailing." This is important for owner-operators who may drive their trucks while not under dispatch.
• Non-Trucking Liability: Provides liability coverage when the truck is being used for non-business purposes, such as personal errands.

Who Needs Trucking Insurance?

Businesses that own and operate commercial trucks, including owner-operators, trucking companies, and freight haulers, should consider Trucking Insurance. This coverage is essential for anyone involved in the transportation of goods, whether regionally or across state lines.