A Short Guide To Commercial Truck Insurance


If you own a trucking business, own a business that uses trucks, or are an independent truck driver, you need to ensure that your trucks are protected in case something unexpectedly goes wrong.  There are many potential risks you have to be aware of and defend against. Commercial truck insurance can help you with this.

What Is Commercial Truck Insurance?

Commercial truck insurance is a type of insurance coverage that applies to large vehicles generally used for transporting goods, construction, or agriculture. It takes things like cargo into account and the size and type of truck. There are policies available for many types of commercial trucks including:

  • Semi-trucks
  • Cement mixers
  • Pickups
  • Tractors

What Types Of Coverage Do You Need For Your Truck?

There are many different types of coverage that you can purchase so it can be difficult to narrow things down. Some of the most important types of coverage you should have are:

  • Primary liability
  • Physical damage
  • Uninsured motorists
  • Medical payments
  • Cargo coverage
  • General liability
  • Rental reimbursement/downtime
  • Commercial towing services

What Determines The Cost Of Commercial Truck Insurance?

There are a number of factors that come into play when an insurance provider is deciding on the price you will pay. These factors are:

  • The type of vehicle
  • Your location
  • Your storage facility
  • Your driving history
  • The amount of coverage you want

Trucks are vulnerable to a variety of risks. Commercial truck insurance can help make sure you are properly protected.