Semi Truck Insurance
Trucking Insurance

In recognition of the dangers posed by large trucks, the federal government enforces strict regulations regarding the trucking industry. These regulations mean that particular coverages are needed.
For a quote, click here
1. PRIMARY LIABILITY
2. PHYSICAL DAMAGE
3. MOTOR TRUCK CARGO
4. WORKERS COMPENSATION
5. NON-TRUCKING LIABILITY
6. OCCUPATIONAL ACCIDENT INSURANCE PROTECTION FOR OWNER OPERATORS (OCCACC)
PRIMARY LIABILITY
Primary Liability Insurance coverage protects you from damage or injuries to other people as a result of a truck accident. This truck insurance coverage is mandated by state and federal agencies and proof of coverage is required to be sent to them. We provide insurance coverage limits ranging from $35,000 to $1,000,000. Pricing is dependant on region, driving records, and history of the trucking operation.
PHYSICAL DAMAGE
Trucking Physical Damage Insurance is coverage for your truck and trailer. This insurance coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles. Pricing is based on the value of your equipment and usually pays a percentage of that value. This truck insurance coverage may be required by the lien holder of your vehicle.
MOTOR TRUCK CARGO
Motor Truck Cargo insurance is needed to protect the carrier in case of lost freight or damaged goods. There is a maximum load limit per vehicle with this policy. Truck insurance coverage limits can range from $10,000 to $100,000 with excess policies available upon request. Pricing for this insurance is mainly dependant on the type of cargo being hauled.
WORKERS COMPENSATION
Workers Compensation insurance policies actually provide two types of protection. One covers the cost of medical expenses and disability payments if employees are injured or exposed to illness-causing substances while on the job. The other provides businesses with liability protection in case they are sued for damages arising from employment-related accidents or diseases.
What will it pay for?
Typically, Workers Compensation will pay for:
Medical benefits for job-related injury or disease
Disability income benefits, including compensation for lost wages
Rehabilitation benefits to help an injured worker return to productive work
Be advised, in many states workers compensation is not optional. As a business owner you are required to carry this coverage.
NON-TRUCKING LIABILITY
Non-Trucking Liability (Bobtail Coverage) provides limited liability truck insurance for owner-operators who are permanently leased to an ICC regulated carrier. It provides limited liability protection when the owner-operator is not on dispatch, or pulling a loaded trailer. For example, this coverage would apply when the owner-operator gets their truck washed or brings their trucks into a shop for repairs. Once the owner-operator is under dispatch, they are covered under the Primary Liability insurance policy of the company that they are leased to.
OCCUPATIONAL ACCIDENT INSURANCE PROTECTION FOR OWNER OPERATORS (OCCACC)
This coverage protects truckers from occupational as well as non occupational injuries at an affordable rate. Benefits include: accidental death, accidental medical expense, temporary total disability and continuous total disability. 
In recognition of the dangers posed by large trucks, the federal government enforces strict regulations regarding the trucking industry. These regulations mean that particular coverages are needed.
         
For a quote, click here
         

 

 
PRIMARY LIABILITY
          
Primary Liability Insurance coverage protects you from damage or injuries to other people as a result of a truck accident. This truck insurance coverage is mandated by state and federal agencies and proof of coverage is required to be sent to them. We provide insurance coverage limits ranging from $35,000 to $1,000,000. Pricing is dependant on region, driving records, and history of the trucking operation.
          

         
PHYSICAL DAMAGE
          
Trucking Physical Damage Insurance is coverage for your truck and trailer. This insurance coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles. Pricing is based on the value of your equipment and usually pays a percentage of that value. This truck insurance coverage may be required by the lien holder of your vehicle.
        

        
MOTOR TRUCK CARGO
          
Motor Truck Cargo insurance is needed to protect the carrier in case of lost freight or damaged goods. There is a maximum load limit per vehicle with this policy. Truck insurance coverage limits can range from $10,000 to $100,000 with excess policies available upon request. Pricing for this insurance is mainly dependant on the type of cargo being hauled.
                

                 
WORKERS COMPENSATION
          
Workers Compensation insurance policies actually provide two types of protection. One covers the cost of medical expenses and disability payments if employees are injured or exposed to illness-causing substances while on the job. The other provides businesses with liability protection in case they are sued for damages arising from employment-related accidents or diseases.
        
What will it pay for?
           
Typically, Workers Compensation will pay for:
        
  • Medical benefits for job-related injury or disease
  • Disability income benefits, including compensation for lost wages
  • Rehabilitation benefits to help an injured worker return to productive work
          
Be advised, in many states workers compensation is not optional. As a business owner you are required to carry this coverage.
          

           
NON-TRUCKING LIABILITY
           
Non-Trucking Liability (Bobtail Coverage) provides limited liability truck insurance for owner-operators who are permanently leased to an ICC regulated carrier. It provides limited liability protection when the owner-operator is not on dispatch, or pulling a loaded trailer. For example, this coverage would apply when the owner-operator gets their truck washed or brings their trucks into a shop for repairs. Once the owner-operator is under dispatch, they are covered under the Primary Liability insurance policy of the company that they are leased to.
          

           
OCCUPATIONAL ACCIDENT INSURANCE PROTECTION FOR OWNER OPERATORS (OCCACC)
          
This coverage protects truckers from occupational as well as non occupational injuries at an affordable rate. Benefits include: accidental death, accidental medical expense, temporary total disability and continuous total disability. 


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