Trucking Insurance

Auto and boat hauling insurance-Auto and boat hauling insurance offers comprehensive protection for drivers, passengers, vehicles, and cargo during the transportation of cars and boats. It covers various risks such as clearance issues, damage to vehicles, and theft of vehicles or parts. Rates can vary, particularly for luxury vehicles, and it’s important to consult with your insurance broker to discuss the specific details.

Box truck/straight truck insurance-Box truck/straight truck insurance offers two coverage options based on ownership status: one for truck owners and another for for-hire truckers. If you own the truck, it is recommended to acquire coverage that protects against damages to the truck, people involved, and property in case of an at-fault accident. For-hire truckers should consider coverage options to safeguard the goods being transported and provide protection for the truck when it is not under dispatch. Box/straight trucks encompass various types such as cargo cutaway, ice boxes, moving trucks, refrigerated (reefer) trucks, sleeper boxes, and tilt cabs.

Commercial truck insurance-Commercial truck insurance provides coverage for a range of incidents and liabilities, including bodily injury to individuals harmed by your truck or while on your property, property damage caused by your truck, expenses and damages resulting from incorrect deliveries, accidents involving drivers at delivery locations, as well as lawsuits related to slander, libel, or false advertising associated with your trucking business. This comprehensive insurance option ensures protection against various risks and potential legal issues that may arise.

Cargo insurance (also known as motor truck cargo insurance)- Cargo insurance, also known as motor truck cargo insurance, provides coverage for the liability of the policyholder in cases of destruction, damage, or loss of the transported cargo. Different coverage options are available, depending on the specific type of cargo being shipped. It is crucial to carefully discuss and consider these options before making a purchase to ensure appropriate coverage for your cargo.

​Cargo van insurance-Cargo van insurance provides comprehensive protection for van drivers, passengers, and the contents of commercial vans. This coverage applies to various types of vans, including box vans, cargo vans, courier vans, passenger vans, refrigerated vans, and step vans. It ensures that both the people and the valuable contents within the van are safeguarded against potential risks and damages.

Dry van insurance-Dry van insurance is an essential coverage option, especially when refrigeration is unnecessary, and there are no specific transport requirements. It is particularly crucial because the trailers used in this type of transportation are typically not owned by the trucking company. This insurance provides vital protection against risks like fire, theft, and vandalism, ensuring the safety of both the trucking operation and the valuable cargo being transported.

Flatback-Flatbed truck insurance offers comprehensive coverage for a range of risks, including damage and theft. Moreover, it provides protection for injuries or damages resulting from load securement issues, accidents or cargo loss caused by dangerous or oversized loads, accidents while driving empty beds, and coverage for essential equipment like ramps, chains, tarps, and binders. This insurance option ensures that all facets of flatbed trucking operations are effectively protected against potential risks and liabilities, providing peace of mind for trucking professionals.

Hazmat driver-Hazardous materials transportation insurance provides coverage for drivers, passengers, and vehicles involved in transporting hazardous materials or waste. It typically includes pollution coverage to address potential environmental risks. The specific coverage offered may vary based on the type of material being hauled and the transportation methods used. Hazardous materials encompass a range of substances such as explosives, gases, flammable liquids and solids, corrosives, radioactive materials, toxic and infectious substances, as well as oxidizing substances and organic pesticides. This insurance ensures that adequate protection is in place for the transportation of hazardous materials, addressing the unique risks associated with such operations.

Interstate driver-Interstate cargo insurance provides coverage for drivers, passengers, and vehicles involved in transporting cargo that will cross state lines as part of interstate commerce. Since insurance requirements vary between states, this coverage ensures protection for the driver in every state they operate in. It offers peace of mind and compliance with different state regulations, safeguarding both the driver and the cargo during interstate transportation.

Local driver-Local trucking insurance provides comprehensive protection for drivers, passengers, trucks, and cargo when operating within a limited area. The specific mileage radius can be determined by discussing this option with your insurance broker. This insurance option covers various types of vehicles, including dry vans, reefer vans, flatbeds, non-hazardous liquids, and hazardous commodities. It ensures that all aspects of local trucking operations are adequately protected, offering peace of mind and security for the driver, passengers, and the transported cargo.

Refrigerated (Reefer) driver-Refrigerated truck cargo insurance provides coverage specifically for the cargo carried in refrigerated trucks. Since these trucks often transport perishable foods and beverages, there is a risk of product spoilage in the event of a truck breakdown, damage, or mechanical failure. It is important to note that certain products such as meat, seafood, and pharmaceuticals may not be covered under this insurance option. To determine the specific coverage and exclusions, it is recommended to discuss these details with your insurance broker.

RV hauling-Recreational vehicle (RV) hauling insurance provides coverage for drivers, passengers, and vehicles involved in towing an RV. This insurance option ensures protection for the driver, truck, and RV against potential damages, theft, or injuries. It is important to note that the Department of Transportation has specific guidelines regarding the legal minimums for coverage, and it is advisable to discuss these requirements with your insurance broker to ensure compliance and appropriate coverage for your RV hauling operations.

Tanker driver-Tanker truck insurance provides extensive coverage for drivers, passengers, trucks, and liquid cargo damage. These trucks face specific risks like leakage, hose detachment, pollution hazards from spills, and explosions with flammable cargo. The insurance covers various vehicles, including chemical, dry nitrogen, gas, milk, natural gas, oil, and water haulers. It includes pollution liability, debris removal, and protection against perils like fire damage. With comprehensive protection for all aspects of tanker truck operations, it ensures driver peace of mind and mitigates potential risks and liabilities.

Tow truck insurance-Tow truck insurance is vital for businesses in the towing industry, offering coverage for drivers, passengers, and vehicles involved in towing operations. It is a requirement for various towing-related businesses such as auction haulers, auto body shops, auto club contractors, auto repair shops, roadside assistance providers, and salvage haulers. To enhance coverage, additional options like garage keeper’s legal liability coverage are recommended to protect against vehicle damage while stored during servicing. On-hook towing insurance is also advisable, safeguarding against damage, collision, theft, or vandalism to the towed vehicle during transit. With comprehensive protection, tow truck insurance addresses the unique risks and liabilities faced by tow truck operators, ensuring the safety of drivers, passengers, and the vehicles involved in the towing process.

Tractor insurance-This option offers coverage for drivers, passengers, and the tractor itself, protecting against various losses and damages. The coverage includes risks such as fire, theft, vandalism, collision, wire damage caused by rodents, and damage resulting from weather conditions like hail, lightning, snow, and wind. With this comprehensive protection, drivers and passengers can have peace of mind while ensuring that the tractor is safeguarded against a range of potential risks and uncertainties.

Transportation insurance- This option covers drivers, passengers, and vehicles for businesses using trucks, vans, or cars to transport goods or passengers from injury or damage resulting from collisions, accidents, as well as damage resulting from theft or vandalism.

Truck liability-This option offers coverage for damages and bodily injuries caused to others in accidents. It is important to note that the minimum coverage requirements may vary depending on the truck’s weight, as mandated by federal law. By having this coverage, truck owners can meet legal requirements and protect themselves financially in case of accidents resulting in harm or damage to others.

Trucker insurance-This option offers coverage for drivers, passengers, and commercial trucks. The extent of coverage may differ based on factors such as the type of truck, whether the driver is also the owner-operator, the cargo being transported, the truck’s age and value, and the driver’s driving history. It is crucial to consult with a broker to determine the appropriate level and type of coverage based on these factors.

Trucking fleet insurance-This option offers flexible coverage options tailored to the specific needs of the trucking fleet. Factors such as the number of trucks, their size, type, the nature of the cargo, and whether the transportation is interstate or intrastate will determine the coverage. Options include gross revenue policies based on monthly premiums determined by revenue, mileage-based policies, or per vehicle premiums for smaller fleets. Choosing the right coverage can be discussed with an insurance provider to ensure a customized solution.