Tractors, trailers, box trucks, flatbeds, dumps, log haulers, roll-offs, sprinter vans – if you depend on your vehicle to drive your business, Commercial Auto insurance policy can help you protect your livelihood by delivering specialized coverages designed for professional drivers. From non-trucking liability or primary liability, physical damage to cargo and rental reimbursement with downtime, our agents will help you create a customized commercial policy to suit all your business needs.
Non-Trucking Liability (Bob-Tail)
Many times your truck is on the road, but not actually towing anything – such as returning from dropping a trailer or driving to a repair shop. Bobtail insurance is limited liability coverage for those times when you operate your truck without cargo. It covers you any time your truck is not on dispatch, nor pulling a loaded trailer. Once you are under dispatch, your truck is covered under the Primary Liability insurance policy of the company you work for. Check with our agency if Non-Trucking liability policy is sufficient for you!
Primary Trucking Liability
If you are a business owner or you are opening a new business and your company is taking full responsibility, in order to legally operate, you must have primary liability coverage. This type of policy is very similar to a standard auto insurance plan.
The general goal of primary liability insurance is to help protect you financially if someone outside your vehicle is injured or if property is damaged during a trucking accident. It will not cover damages, theft, or other liabilities associated with your vehicle – you must purchase supplemental coverage for those purposes.
Physical Damage Insurance is coverage for your truck and trailer. This coverage is designed for repairs or replacement of damage resulting from things such as collision, fire, theft, hail, windstorm, flood, mischief, or vandalism to your owned vehicles. Pricing is based on the value of your equipment (Stated value) and you choose that amount. In case of the loss your settlement is calculated based on the value of your equipment at the time of incident.
With this policy, your cargo will be covered from risks such as physical loss or damage, loss resulting in delays in transit, and liability due to misconduct or fraud. Since you are responsible for whatever it is you are hauling, you need to make sure you have the right type and amount of coverage. Our goal is support you and help prevent further loss to your cargo and business. Without the proper protection, your company could face serious financial consequences if a problem arises.
Once you create a customized plan with one of our friendly agents, you will leave with peace of mind and confidence that you have the exact insurance coverage you need for your business. Our expert agents can help you evaluate your operations to come up with the right policy at the right price.
Please contact our agency for more information at 708-433-7777!