Trucking Insurance Coverages

PHYSICAL DAMAGE

Physical Damage is essential to every trucking company as this coverage protects the truckers equipment against collision and comprehensive perils that could very well cause the trucking company to missed loads and possible go out of business if a accident or other type of loss occurs and the equipment is not covered. Physical damage protects against specified peril losses.

PRIMARY AUTO LIABILITY

Primary Auto Liability must be in place before the Federal Motor Carrier Safety Administration will allow the interstate trucker's authority to become active. We will assist each individual trucker in determining the amount best suited for that trucking company. Primary Auto Liability defends the trucking company in actions brought against them involving the operation of the trucking company's equipment.

GENERAL LIABILITY

General Liability may pay for injuries and or property damage arising out business activities not directly related to the operation of trucker's equipment. This coverage may include but is not limited to loading and unloading and contractual liability.

NON TRUCKING LIABILITY

Non Trucking Liability provides coverage when the owner-operator is operating the power unit not under dispatch or transporting cargo. This coverage will not cover the trucker in the business of transporting a load. This coverage is very beneficial is the trucker is leased on to another primary authority. 

NON-OWNED TRAILER LIABILITY

This coverage protects the trucker in the event there is a liability claim against the trucker arising out a loss stemming from a non-owned trailer in the custody of the trucker.

NON-OWNED TRAILER PHYSICAL DAMAGE

Non-Owned Trailer Physical Damage coverage reaches out to provide collision and comprehensive protection for trailers in the custody of the trucker but not owned by the insured .

TRAILER INTERCHANGE LIABILITY

This coverage is very similar to non-owned physical damage coverage with the exception it requires a trailer interchange agreement, in most cases this agreement specifies the pickup and delivery locations of the trailers.

CARGO INSURANCE

Motor Truck Cargo provides insurance on the freight transported by the trucker for  hire.