Trucking

Commercial Auto Liability Insurance

Provides coverage for vehicles owned or used by a business, covering damages and liabilities arising from accidents. This includes cars, trucks, vans, and other vehicles used for business purposes.

Physical Damage Insurance

Collision insurance helps pay for repairs or replacement of your vehicle if it's damaged in an accident with another vehicle or object, such as a fence or a tree, regardless of who is at fault.

Comprehensive insurance provides coverage for non-collision-related damage to your vehicle. This includes events such as theft, vandalism, fire, natural disasters, and hitting an animal.

Cargo Insurance

Cargo insurance provides protection for the freight you transport. It covers losses due to cargo damage or theft during transit. Given the value of goods transported, this coverage is essential for safeguarding against financial losses.

Non-Trucking Liability Insurance

Similar to bobtail insurance, non-trucking liability insurance provides coverage when the truck is not being used for business purposes, such as personal use. It fills the gap in coverage not provided by primary liability insurance.

Occupational Accident Insurance

Occupational Accident Insurance provides benefits to drivers (often owner-operators) who are injured on the job. It covers medical expenses, disability, death benefits, and, in some cases, lost income. This type of insurance is particularly important in jurisdictions where workers' compensation is not mandatory or does not apply to owner-operators. It offers a level of financial protection for injuries sustained in the course of employment, bridging the gap between personal insurance and workers’ compensation.

General Liability Insurance

Protects against claims of bodily injury, property damage, and advertising injury that your business may cause. It's foundational coverage for businesses, covering legal fees, medical payments, and settlements.

Bobtail Insurance

Bobtail insurance offers coverage for your truck when you’re driving without a trailer or while not under dispatch. This type of insurance is crucial for owner-operators who lease their services to others, protecting them during off-duty driving.

Workers’ Compensation Insurance

For trucking companies with employees, workers' compensation insurance covers medical expenses, lost wages, and rehabilitation costs for employees injured on the job. In many places, this type of insurance is legally required.

Additional Coverage Options

Depending on your operation, additional coverage may be available, including:

• Excess and umbrella liability

• Trailer Interchange

• Reefer breakdown

• Commercial property

• Cyber liability

• Employment practices liability