Commercial truckers need a form of protection when transporting goods across the continental United States. Trucking insurance is an effective way for truckers and their employers or contracting companies to protect themselves, their fleet, and their transported equipment against a variety of occurrences. Whether you are an individual trucker or manage a large line of trucks, you will receive significant benefits from trucking insurance.
Insurance Options for Truckers
At Pro Insurance Group, we take pride in our ability to provide a comprehensive and affordable insurance package for truckers. When you need coverage, our experienced agents will help you select the best policies to fit your organization’s unique needs. Let us work with you to determine which of the policies your organization will receive the most coverage and benefits from.
Bobtail Insurance
When driving your truck while not under dispatch, you still need proper coverage to safeguard from liability. Also known as non-trucking liability, bobtail insurance will offer protections when you are driving the truck for non-business purposes. Therefore, you can be assured that your truck is covered under all circumstances, regardless of when or how you are using it.
Commercial Auto Insurance
Unfortunately, most truckers are at a higher risk of motor vehicle collisions than other drivers on the road. However, commercial auto insurance can provide extensive coverage for truckers in the event they find themselves in an accident. This type of policy will not only cover expenses for vehicle damage, but also any medical payments due to sustained injuries.
General Liability Insurance
Accidents that are caused by truckers can often result in a wide range of civil lawsuits. General liability insurance will protect yourself, your employers, and your customers from liability against injury or property damage claims. It may also pay for premises liability, product liability, and other types of expenses not covered by commercial auto insurance.
Inland Marine Insurance
]Inland marine insurance, otherwise known as cargo insurance, protects truckers against loss of cargo or equipment in transit. In the event you are in an auto collision or other incident that results in damage or total loss of the cargo, inland marine insurance will reimburse up to the dollar amount of the estimated damage costs.
Physical Damage Insurance
Commercial trucks are one of the biggest investments a trucker or fleet management company can make. If a truck is damaged during a collision or other incident, it can cost thousands of dollars to repair and several more to replace. Physical damage insurance will provide coverage for any repair that needs to be made or a replacement if the truck is deemed unsalvageable.
Have Questions About Trucking Insurance? See Our FAQ
What is Trucking Insurance and why is it essential for my business?
Trucking Insurance is a specialized form of commercial auto insurance that covers vehicles used to transport goods. At Pro Insurance Group, we understand that your trucking operations are the backbone of your business. Trucking Insurance is essential because it protects your vehicles, cargo, and business assets from a range of risks, ensuring your business can continue to operate smoothly even in the face of unexpected incidents.
Is Trucking Insurance required by law?
Yes, Trucking Insurance is legally required for businesses that operate commercial trucks, particularly those involved in interstate commerce. The Federal Motor Carrier Safety Administration (FMCSA) mandates minimum liability coverage, and Pro Insurance Group ensures that your policy meets or exceeds these legal requirements.
How does Cargo Insurance protect my business?
Cargo Insurance, a vital component of Trucking Insurance provided by Pro Insurance Group, covers the value of the goods you’re transporting in case they are damaged or lost due to accidents, theft, or other covered perils. This coverage is crucial for maintaining client trust and ensuring your business does not suffer financial loss from damaged goods.
How do I know if I need Trailer Interchange Insurance?
If your trucking operations involve pulling trailers that you do not own under a trailer interchange agreement, Trailer Interchange Insurance is necessary. This coverage, available through Pro Insurance Group, protects you against liability for damages to the trailer while it is in your possession.
What is the cost of Trucking Insurance?
The cost of Trucking Insurance can vary widely depending on a number of factors specific to your business, such as the type of trucks you operate, the nature of the goods you transport, and the extent of your operations. However, at Pro Insurance Group, we believe that the true value of Trucking Insurance lies not just in its cost but in its comprehensive protection. Investing in the right coverage can save your business from significant financial losses in the event of an accident, cargo damage, or other unforeseen incidents. We aim to provide you with a policy that offers robust coverage tailored to your specific needs, ensuring your business is fully protected while offering peace of mind.
Speak With Trucking Insurance Professionals Today
Since owning and operating a commercial truck comes with its own unique set of risks, it is important to safeguard yourself and your truck from any unexpected events. In addition, owning a truck insurance policy will ensure protections from any legal claims made against you. For more information about trucking insurance or to get started, call Pro Insurance Group at 833.619.0770 or request a quote online today.