Commercial Truck Insurance

Truckers insurance is designed to provide coverage for individuals or companies that own and operate commercial trucks. This type of insurance typically covers a variety of risks and liabilities that are unique to the trucking industry, including damage to the truck or trailer, liability claims for accidents or injuries, and cargo loss or damage.

Truckers insurance typically includes several types of coverage, including:

1. Liability insurance: Provides coverage for bodily injury and property damage claims that may arise from accidents involving the truck. This type of coverage can help protect against claims related to accidents caused by the truck driver, as well as accidents caused by other drivers who are injured or suffer property damage.
2. Physical damage insurance: Provides coverage for damage to the truck or trailer due to collisions, theft, or other covered events. This type of coverage can help protect against the high cost of repairing or replacing a damaged vehicle.
3. Cargo insurance: Provides coverage for loss or damage to the cargo being transported by the truck. This type of coverage can help protect against claims related to lost or damaged cargo, which can be a significant expense for trucking companies.
4. Workers’ compensation insurance: Provides benefits to employees who are injured on the job. This type of coverage is particularly important for trucking companies, as drivers may be exposed to hazardous materials or work in hazardous environments.
5. Bobtail insurance: Provides coverage for liability claims that may arise when a truck is being driven without a trailer attached. This type of coverage can help protect against claims related to accidents or injuries that occur when the truck is not carrying any cargo.
6. Non-trucking liability insurance: Provides coverage for liability claims that may arise when a truck is being driven for personal use, rather than for business purposes. This type of coverage can help protect against claims related to accidents or injuries that occur when the driver is using the truck for personal reasons.