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Bobtail Insurance

If you are an independent owner/operator, Bobtail Insurance (also known as Deadhead Insurance) is essential to keep your truck covered in all types of circumstances. Since not all transport of a truck is sanctioned by a trucking company, there are times commercial truck operators are driving without being commissioned. Without that authority, a truck is not covered under a contracting trucking company’s Primary Liability Insurance.

Since there are millions of independently contracted owner/operators on the roads, Bobtail Insurance is a component of a commercial insurance policy that can’t be done without.

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Non-Trucking Liability

Bobtail Insurance is also called Non-Trucking Liability Insurance. For independent contractors, this is a primary piece of insurance. With Bobtail Insurance, the times they are not on any dispatch service will be covered in the event of an accident.

Damage can be sustained by an accident while operating recreationally, off the job site, at a service station and many other ways. If you’re not covered by a trucking company’s policy at any time, then Bobtail Insurance will pick up that slack.

Bobtail Insurance generally requires other complimentary forms of commercial truck insurance to provide full coverage for your vehicle. Comprehensive Insurance and Cargo Insurance will cover the other aspects of damage that result from any accident or rollover.

Talk to one of our agents today for more information on Bobtail Insurance and receive free commercial insurance for trucks quotes!

Cargo Insurance

An essential part of a complete commercial truck insurance package is Cargo Insurance. The nature of the commercial motor carrier trucking industry can be diverse, so having a Cargo Insurance policy in place is vital.

The three main areas you need to protect are: your truck, your trailer, and your cargo. We  can help you to design worry-free coverage so you can operate your trucking business with confidence.

Many times, cargo can be expensive or dangerous. Special Cargo Insurance policies are designed for hazardous materials such as fuel or chemicals. In fact, the cargo can be more dangerous to people then the truck at times!

Even if your cargo is not highly expensive or dangerous, being liable for its loss can be financially destructive for a commercial trucking company. With a good, solid Cargo Insurance Policy in place, you will have nothing to worry about.

Here are some various types of Cargo Insurance available to the motor carrier industry:

  • Dump Truck

  • Tow Truck

  • Freight

  • Hazardous Material

Combining Cargo Insurance with your Primary Liability and Trailer Insurance is a great start. Let us help you design an insurance package tailored to the needs and specifications of your commercial trucking business.

Talk to one of our agents today for more information on Cargo Insurance and receive free commercial insurance for trucks quotes!

Collision Insurance

Collision Insurance is a type of commercial truck insurance that provides coverage through compensation if a vehicle is damaged or destroyed in a crash, rollover, or other driving accident. Collision Insurance is distinct from Primary Liability Insurance which covers damages incurred to other people and property. While liability insurance is mandatory by law, Collision Insurance is usually elective and covers your property.

What does Collision Insurance not cover?

Collision Insurance does not cover your truck from damage caused by theft, vandalism, fire or other disaster outlined in your policy. To cover your vehicle from these sources, consider acquiring Comprehensive Insurance.

Collision Insurance is the certain way to decrease risk and uncertainty. With the many miles commercial truckers and motor carriers drive through all types of weather on roads and highways each year, the possibility of an accident is heightened. Collision Insurance protects an owner/operator or company from sudden and potentially catastrophic financial loss due to a collision.

Different Collision Insurance plans offer tradeoffs between cost and risk. Our agents  can assist you in making the right decision for the needs of your company.

Talk to one of our agents today for more information on Collision Insurance and receive free commercial insurance for trucks quotes!

Comprehensive Insurance

It is not an overstatement to say that Comprehensive Insurance is the most important policy you can hold for commercial trucking.

It’s true that the law requires your company to hold a Primary Liability Insurance policy, but that policy does not cover any damage done to your property. Comprehensive Insurance protects you from just about any damage or disaster. A Comprehensive Insurance policy is specialized coverage designed to protect your livelihood and your equipment.

What is ‘Comprehensive’?

You can think of Comprehensive Insurance as “all-inclusive” coverage. In other words, with Comprehensive Insurance for your truck at your service, you’re protected from just about anything and everything that can happen on or off the road.

A huge advantage with this policy is its coverage. Victims of any accident who sustain damages to their trucks are covered. This is regardless of fault and does not matter if the party at fault is uninsured.

Comprehensive Insurance will many times cover your truck for damages sustained by circumstances other than accidents. This would include theft, fire, vandalism or other disasters set out in your policy.

What Comprehensive Doesn’t Cover

Comprehensive Insurance does not typically cover and pay for damages incurred to your trailer or cargo. The reason for this is that trailers are not often owned by the actual trucker hauling it. This also applies to the cargo. To cover your trailer and cargo, you will need to set up Trailer Insurance and Cargo Insurance policies. These are separate forms of trucking insurance that are carried by the motor carriers and/or the shippers.

If you are an independent operator you may wish to carry a Bobtail Insurance policy for times when your trailer is being hauled but hasn’t been commissioned by a motor carrier—technically not being covered by a Primary Insurance policy.

Talk to one of our agents today for more information on Comprehensive Insurance and receive free commercial insurance for trucks quotes!

General Liability Insurance

General Liability Insurance is where a commercial trucking insurance policy starts. This is the most basic type of coverage for motor carriers and fleets.

General Liability Insurance reflects the minimum amount of coverage needed by trucking companies. This type of policy is often mandated by Federal law for operating your type of company in the USA.

Proof of financial responsibility is required to be presented in the case of an accident or damage to other people and their property. General Liability Insurance is a protection for the public. Having this policy is proof that you are equipped to handle the risks of operating a commercial trucking company.

What does General Liability Insurance cover?

The purpose of General Liability Insurance is to cover damages to the general public and protects trucking companies from liability that may occur due to normal, daily operations. General Liability Insurance will not cover all public damage caused or partially caused, but, in most cases, it will protect your business in the event of litigation. We will discuss with you the amount of coverage you need and set that up when drafting the policy. This policy is a must for commercial trucking companies in today’s society.

Other motor carrier insurance policies are available to bridge the gap between paying for damage done to the public and damage done to your vehicle or additional equipment. Trailer Insurance, Comprehensive Insurance, and Collision Insurance are all fundamental policies for commercial trucking companies.

Additionally, motor carriers and fleet companies may want to seriously consider Occupational Accident Insurance or Worker’s Compensation Insurance to protect the employees of the company.

What is the difference between General Liability Insurance and Primary Liability Insurance?

Although sometimes used interchangeably, Primary Liability Insurance is different. Primary Liability covers damage done by your truck or vehicle. General Liability Insurance protects your business from litigation arising from various other circumstances in the course of day-to-day operation. We  can write both kinds of commercial truck insurance when helping you design the right kind of coverage your company needs.

Talk to one of our agents today for more information on General Liability Insurance and receive free commercial insurance for trucks quotes!

Primary Liability Insurance

Owning and operating a truck or fleet of trucks is very similar to owing an automobile where insurance is concerned. The potential damage of other people’s property and even to other people themselves is why you need to carry Primary Liability Insurance. In fact, use of Federal highways in the USA requires you to have proof of financial responsibility.

Primary Liability Insurance is the core of any good commercial truck insurance policy. Since this type of insurance is the minimum amount necessary to operate a trucking and transport business, consideration should be given to other avenues of protection in regards to your vehicle and cargo. Primary Liability Insurance will not cover damage to your own vehicle or the goods being transported.

What is Primary Liability Insurance?

Remember that in any accident the damage caused by your equipment is what is covered under Primary Liability Insurance. This includes paying for damaging public property or injuries sustained by other drivers involved.

Primary Liability Insurance will not cover your loss due to fire, theft, vandalism, or other disasters. Your truck, trailer, and cargo are also at risk without complimentary policies designed to protect your other valuable assets.

What if the accident/incident is not your fault?

Again, Primary Liability Insurance covers other people—the public. If your truck is involved in an accident caused by someone else, you are at the mercy of the party at fault and their liability insurance coverage.

Keep in mind that even when two or more parties involved in an accident have Primary Liability Insurance, costs can escalate due to deductible amounts and the nature of the policies held.

How can I protect my truck and related investments?

Purchasing Primary Liability Insurance is vital and a good start. A well-rounded out insurance package contains other policies such as Comprehensive Insurance, Cargo Insurance, and Trailer Insurance.

Comprehensive Insurance will provide protection of your truck when added to truck insurance coverage. Comprehensive means “all-encompassing” so this policy will cover just about any damage that can happen to your truck while operating or not (this policy does not cover collisions, however).

Cargo and Trailer Insurance protect your additional equipment and goods being transported. In the event of loss due to accident or rollover, you will not be financially responsible if you carry the proper coverage.

What is the difference between Primary Liability Insurance and General Liability Insurance?

Although sometimes used interchangeably, Primary Liability Insurance is different. Primary Liability covers damage done by your truck or vehicle. General Liability Insurance protects your business from litigation arising from various other circumstances in the course of day-to-day operation. We  can write both kinds of commercial truck insurance when helping you design the right kind of coverage your company needs.

Talk to one of our agents today for more information on Primary Liability Insurance and receive free commercial insurance for trucks quotes!

Trailer Interchange Insurance

Most commercial trucking companies and freight companies that ship need insurance to cover trucks, trailers, cargo and their business.

In the course of business, it is common for shipping companies and trucking companies to swap, or interchange, trailers between multiple trucking companies. Normal trailer insurance may not cover damages sustained while non-company drivers are hauling your trailers.

Since trucking companies save time, money, and driver sanity by working together and finishing hauls for one another, Trailer Interchange Insurance is a common way to protect a company’s property during those exchanges. Any companies that have active trailer interchange agreements should look into this type of commercial truck insurance.

What Does Trailer Interchange Insurance Cover?

A Trailer Interchange Insurance policy allows a company’s truck insurance to cover trailers that belong to other companies. This is only as long as those companies have a written trailer interchange agreement with each other.

This type of policy is designed to cover the trailer—not the contents inside. Trailer Interchange Insurance is no substitute for Cargo Insurance. It is always good practice to look at Comprehensive Insurance coverage so your truck and company’s assets are protected in the unfortunate case of an accident or rollover.

Talk to one of our agents today for more information on Trailer Insurance and Trailer Interchange Insurance and receive free commercial insurance for trucks quotes!

  Prime Coverage Group