Even if you plan to start the process online, you should have these items available. You will need the information to request a quote and may need to submit copies for the insurer\u2019s review and record.<\/p>\n

What Does Truckers Insurance Cover and What Is Not Covered?<\/strong><\/p>\n

Every driver should know what their truckers insurance policy covers and what it doesn\u2019t. General liability will cover:<\/p>\n

\n
• Bodily Harm<\/strong> \u2013 If a person is hurt as a result of an accident involving your vehicle, their medical bills, and the potential lawsuit are covered by your insurance. This includes coverage for people who are injured after a fall on your business\u2019 property.<\/li>\n
• Property or Commodity Damage<\/strong> \u2013 If someone else\u2019s property is damaged by your truck, insurance will pay to fix or replace it. General liability will also cover damages that result in commodities delivered to the wrong location.<\/li>\n
• Delivery Location Accident<\/strong> \u2013 If you or your driver cause damage to a delivery location, truckers insurance will pay to repair it.<\/li>\n
• Slander, Libel, or False Advertising Claim<\/strong> \u2013 If you face a slander, libel, or false advertising claim against your brand, it will likely be covered by your insurance.<\/li>\n<\/ul>\n

  There are things that you may need that are not covered by the average truckers insurance policy. Things that won\u2019t be paid for under general liability include:<\/p>\n

  \n
  • Non-Truck Vehicles<\/strong> \u2013 Truckers insurance is meant for trucks, but not all commercial vehicles qualify for this type of coverage. For example, it will not cover limos, ice cream trucks, passenger vans, hearses, cement trucks, or buses. You should seek different types of coverage for these vehicles.<\/li>\n
  • Driver Injury<\/strong> \u2013 The insurance policy will cover medical expenses for others, but not for you or your workers. You will need to obtain workers\u2019 compensation insurance to protect your drivers in case of an injury.<\/li>\n
  • Truck Damage<\/strong> \u2013 If your trucks are damaged, general liability will not pay for it. The coverage applies to other vehicles, not the ones you own. You must obtain physical damage coverage to insure your trucks. It isn\u2019t a legal requirement, but it\u2019s a good idea.<\/li>\n
  • Refrigeration Related Loss<\/strong> \u2013 Damaged refrigeration units on trucks can lead to expensive product loss. This type of loss is not covered by general liability insurance.<\/li>\n
  • Cargo Loss<\/strong> \u2013 If cargo is lost while traveling or as a result of an accident, it is not covered by general liability. You will have to pay for cargo coverage. The federal government requires some drivers to pay for at least $5,000 worth of cargo coverage.<\/li>\n
  • Income Loss from Accidents<\/strong> \u2013 If you or your drivers lose income after an accident, this is not covered by your truckers insurance. Instead, you will need business interruption insurance to close the gap and protect your operation.<\/li>\n<\/ul>\n

    Other Types of Commercial Truckers Insurance<\/strong><\/p>\n

    The more protection you have, the better off you will be in case of an accident or incident. It can be difficult to balance the expense of insurance with the potential safety net it provides. Depending on what you haul, you may want to consider adding other types of insurance, like:<\/p>\n

    \n
    • Motor Truck Cargo Insurance<\/strong> \u2013 This type of insurance will protect your commodities if you end up in an accident, disaster, or are stranded and lose cargo as a result.<\/li>\n
    • Bobtail Insurance <\/strong>\u2013 This insurance covers you if your truck ends up in an accident with no trailer attached.<\/li>\n
    • Reefer Breakdown Insurance<\/strong> \u2013 This coverage would protect you in case cargo is lost due to a refrigeration breakdown or collision. Check the policy\u2019s exclusions because some will not cover frozen food, tobacco products, or seafood.<\/li>\n
    • Uninsured or Underinsured Motorist Insurance<\/strong> \u2013 If you are in an accident with an uninsured or underinsured motorist, this type of coverage will protect you.<\/li>\n<\/ul>\n

      Visit InsureTrucking.com to learn more about commercial truckers insurance or to request a free online quote.<\/p>\n","protected":false},"excerpt":{"rendered":"

      If you want to drive for a living, then you need commercial truckers insurance. While it is not something that you\u2019ll likely daily, when you do need it, you\u2019ll be […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"yoast_head":"\n