Insurance

Truck insurance might seem complicated and overwhelming, but that’s why our team is here. We’re transportation experts who help businesses insure their commercial vehicles all day, every day. We understand the risks you face and the coverages you need to protect your business from them. Our goal is to make truck insurance as easy as possible.

Part of that includes the articles below. The following articles explain different concepts and different coverages that your truck business might need. Commercial vehicle insurance might seem overwhelming, but that’s why we’ve broken down different topics into smaller, manageable articles. From deductibles to physical damage coverage, we’ve compiled useful information for any trucking business to have.

So, take some time to click through and read the posts below. They’re there for you to read at your leisure. We hope that you enjoy the content and find it helpful as you begin the process of getting coverage for your trucks.

What’s the Cheapest State for Commercial Truck Insurance?

Truck insurance is the best way to ensure that your business is protected and can operate free of worry. It can be fairly dangerous for truck drivers these days as accidents and cargo thefts become more prevalent. However, commercial truck insurance is not cheap by any means. This expense can cost truckers tens of thousands of dollars in some cases.

Thus, fleet owners and independent drivers need to weigh their options when purchasing truck insurance.

Your business’s location plays a major factor in the rates you’ll be paying yearly. Therefore, in this article, we’ll discuss the cheapest states for commercial truck insurance and ways to manage this expense. Let’s get started.

What’s the Cost of Hot Shot Truck Insurance?

A hot shot truck is used to haul unique goods that are unable to fit in a standard tractor-trailer. This can include livestock, agricultural machinery, construction equipment, and cars. Typically, the freight is hauled short distances and for individual customers.

If you’re considering joining the hot shot trucking industry then you’re in the right place. In this article, we’ll discuss insurance costs and ways to save. Let’s get started.

A Guide to Motor Truck Cargo Insurance

Commercial drivers face a number of risks on the road, including accidents, severe weather, and equipment breakdowns. Trucking insurance can help cover carriers and drivers from these losses, but it can be easy to overlook another common risk—lost or damaged cargo.

Because for-hire transporters don’t own the cargo they carry, standard trucking liability policies may not provide the coverage you need if anything happens to freight while it’s in transit. And since cargo can be extremely valuable, you could be responsible for expensive losses and damaged relationships with your clients.

All transporters should consider motor truck cargo insurance to cover their liability for the goods they carry. The FMCSA also requires vehicles to have cargo insurance for interstate commerce, and other federal and state laws may also apply.

Truck Insurance in Texas

Texas is a massive state with loads of truckers operating there. If you happen to have a trucking business in Texas, you must make sure you have reliable insurance. There are plenty of unreliable insurance companies in the state that dodge their clients when things get tough. Make sure you take your time when choosing a quality truck insurance company.

In this article, we’ll discuss why truck insurance in Texas is important, as well as the various coverages you’ll need. Let’s get started.

The Best Truck Insurance Companies

Currently, there are around 3.6 million truck drivers in the United States. The number of trucking businesses in the country currently stands at 700,000. Keeping these astounding numbers in mind, picking the best truck insurance companies can be a tricky endeavor.

Like how any coverage works, truck insurance provides those in the transportation industry with the proper protection. There’s a large number of commercial truck insurers in the US and each has their own unique policies.

Let’s discuss the largest truck insurance companies, as well as the ones highly rated by customers.

A Guide to Truck Insurance Filings

Commercial truck filings are an integral part of the truck insurance process. Filings are essentially proof that you’re complying with the federal and state requirements of operating a commercial vehicle. As you may know, having the minimum required liability coverage is required by law.

If you think about it, our truckers haul billions of dollars worth of goods every year. This puts a lot of trucking companies, shippers, and manufacturers at risk. Therefore, the government wants to verify that you’re operating with the necessary coverage to mitigate those risks.

This is where state and federal filings come into the picture. There are certain criteria you must meet before you’re required to show proof of insurance where you’re doing business. The whole thing can get pretty complicated considering many truckers transport goods all over the country.

In this article, we’ll discuss the instances where you’ll need to submit a federal and state filing. Let’s get started.

What Does Long Haul Truck Insurance Cost?

Long haul truck drivers spend more nights away from home since most of their journeys cant be made in a single day. Therefore, they’ll typically have to pay more for their insurance. This is because long haul truck drivers travel longer distances so there’s more risk involved. Essentially, your chances of getting into an accident or being a victim of cargo theft increases since you’re spending more time on the road.

So, to better understand your policy, here’s a breakdown of the cost of long haul truck insurance. We’ll also share some money-saving tips. Let’s begin.

Truck Insurance for High Risk Drivers

Are you considered a high risk driver by truck insurance companies? In general, high risk truck drivers will end up paying more for their insurance, unfortunately. You may be wondering, how do insurance companies determine whether someone’s a high risk driver? Well, they consider many factors.

In this article, we’ll discuss the criteria for a high risk truck driver as well as a plan of action. Without further ado, let’s get started.

Workers Compensation and Occupational Accident for Trucking Businesses

Should trucking businesses purchase workers compensation and occupational accident insurance policies? Let’s learn more below.

It’s not merely enough to just protect your trucks these days. You must establish a productive and safe work environment for your truck drivers. This includes the time they spend on the road and inside your warehouse.

The problem is, no matter how much you instill safety into your culture, accidents still happen. Unfortunately, injuries and accidents negatively affect productivity and profits.

So, to protect your trucking business and your drivers, you’ll need workers compensation and occupational accident insurance. This way you can better combat liability risks and legal battles. In this article, we’ll explain the difference between the two coverages and the benefits of both. Let’s begin.