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Commercial trucking insurance is vital for businesses operating within the trucking industry. It helps protect against financial losses stemming from damages, theft, and other liability issues arising from transporting goods and services. 

A commercial trucking policy can be very complex and may feel overwhelming to understand. There are several important coverages that you can select to ensure you have sufficient coverage for whatever may occur.

Our experienced agents can steer you in the right direction to ensure you purchase the necessary coverages you will need to keep your business protected.

What is Liability Coverage?

Liability is the coverage that protects you legally against claims arising in the event of an accident when you or a driver you employ are at fault. The coverage will cover injuries to the person and damages to the property. In trucking there exists several different types of liability covering you for different scenarios. You must understand the different types to make sure your business is covered in the event of an accident.


Commercial auto liability is the primary coverage for a trucking company. All operations of the business are centered in the transportation of goods, so your main revenue is being on the road. Making sure you are covered in the event of an accident while on the road is extremely important. Liability claims can be devastating, so it is very important to always have this coverage active for the well-being of your company and peace of mind.


Truckers' general liability coverage is designed to protect truckers from claims that arise from injury, property damage, or other losses incurred while the trucker is operating a vehicle either delivering or picking up a load.  Additionally, with this coverage your legal costs, and settlements arising from litigation will be covered.


For the owner-operators that lease onto a carrier, the primary liability policy will be that of the company you are leased to, but this does not mean that you shouldn't get a liability policy of your own. You can get a non-trucking liability policy that will cover you in the event you have an accident while you are not under dispatch, such as driving your truck to your home, the mechanic or doing personal errands. 


Cargo liability insurance is a specialized form of insurance that covers businesses against the cost of lost, damaged or stolen goods while they are in transit. This type of insurance is important for companies that transport all types of cargo. The coverage and limits depend on the cargo being transported. Depending on the type of business, different types of cargo liability coverage may be required or advisable.


Reefer breakdown coverage is a type of insurance that can help protect businesses from the costs associated with spoiled or damaged goods due to a malfunctioning refrigeration system. This type of coverage is important for companies that transport temperature sensitive goods, as it may help cover the cost of replacing or repairing the refrigeration unit and any goods that are damaged as a result of the breakdown.

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