Trucking
Insurance is indispensable for businesses, and it becomes especially critical in the trucking industry due to its inherent risks. Commercial truck drivers contend with daily hazards such as accidents, theft, and even piracy. To safeguard your drivers, trucks, and clients’ cargo, a comprehensive insurance plan is essential. Heartland Insurance is dedicated to ensuring your company is fully covered in the event of an accident. As a full-service California commercial truck insurance provider, we offer comprehensive coverage, demonstrating our unwavering commitment to the success of your trucking company.
What types of coverages should be included on a Commercial Trucker’s Insurance Policy?
A comprehensive commercial truck insurance package includes various coverages, offering diverse ways to protect against the numerous risks associated with trucking operations.
Trucker Auto Liability – Every commercial truck must be covered by liability insurance. This coverage protects you from liability risks in the event of an accident where you or your driver is found at fault. It includes financial assistance for bodily injury claims, covering medical bills for the injured party, and addressing property damage resulting from the collision. Regardless of fault, liability insurance also covers the expenses of your defense if legal action arises from the accident.
As per the Department of Transportation, commercial truck drivers are required to maintain insurance coverage ranging from $750,000 to $1,000,000. The necessary amount is determined based on factors such as the vehicle’s size, travel distance, and the type of cargo being transported.
Motor Truck Cargo – Motor Truck Cargo insurance is a form of inland marine insurance designed to safeguard goods and property during transportation by a motor carrier.
Physical Damage – Physical Damage coverage protects the insured vehicle from various perils, including collision, vandalism, and fire.
While many trucking insurance companies offer liability, cargo, and property damage coverage, Heartland Insurance specializes in providing general liability insurance and workers’ compensation. It’s essential to note that general liability insurance differs from Truckers Auto Liability, as it covers risks unrelated to truck operation, such as accidents in your office.
Our licensed insurance representatives are committed to being part of your team and ensuring the success of your business. Contact us today for a commercial truck insurance quote.