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Truck Insurance

The following is an insurance summary of basic truck insurance coverages for the truck and transportation industry.

Insurance is one of the largest fixed expenses that a trucker or trucking company faces today. It is one area that all individuals and companies need to revisit at least annually to make sure their needs are being met.

There are various factors that impact insurance costs, such driving records, age of the driver, age of equipment, commodities hauled, radius, vehicle location, loss history, years in business and the list goes on.

There are several types of trucking-related insurance coverages:

Physical Damage

Insurance is coverage for your truck and trailer. Your premium is based on the value of your equipment. Usually a percentage of the value.

This coverage is not required by law but if you finance your vehicle the lienholder will require it. It is important to insure your vehicle for the real value. Not over or under value the vehicle as the insurance company will only pay market value at the time of the loss.

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Primary Auto

Liability insurance is required by federal regulations. Every carrier must carry liability insurance on every rig even on leased units.

Liability insurance protects you when a third party is injured in an accident. Owner-operators should ask when leasing onto a company who will pay for their insurance – the company or from driver weekly settlements.

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General Liability

Insurance protects the business for any property damage or bodily injury that might occur which does not involve a truck. Typical

examples of this would include the slip and fall exposure at your place of business, advertising related exposures, and/or contractual exposures you may get involved in.

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Non-Trucking Liability

Insurance pays for an accident when the driver/truck is not under dispatch. The coverage is sometimes referred to as deadhead coverage

or bobtail liability.

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Non-Owned Trailer Liability

Coverage protects the trailer you are pulling for someone else.

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Non-Owned Trailer Physical Damage

Coverage insures the trailer you are pulling for someone else in the event of loss. $20,000 is somewhat standard for trailers.

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Trailer-Interchange Liability

Coverage protects a trailer you are pulling when there is a interchange agreement in force. For example with a steamship line.

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Cargo Insurance

Covers damage/loss to freight in transit. This coverage can have many exclusions such as unattended vehicle, maximum theft limitations

on target commodities such as garments, liquor, electronics and a whole host of others. It is very important to read this policy closely in the event you think you may be covered for something and you are not.

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Terminal Coverage

Protects freight located at specified terminals in the event of loss. Usually there are time limitations related to this coverage. For

example: 72 hours maximum per specified load. If the goods are stored longer than the terminal time you would most likely want to purchase Warehouse Legal coverage. Again very important to read your policy. This amount of coverage is dependent on the total amount of goods stored/docked/off-loaded at any one time.

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Warehouse Legal

Coverage protects goods stored at specified locations in the event of loss. For example as relates to theft, fire, sprinkler damage.

This amount of coverage is dependent on the total amount of goods stored at the location at any one time.
Once you have determined what insurance coverages you desire or need then you can rate shop. It is essential to work with an insurance brokerage, like M & A Insurance, who understands the trucking industry so that you purchase the right insurance with the best company at the lowest price.

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Get all the information you need so you can choose an ideal coverage to meet your needs.

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