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sprinter van insurance

Sprinter Van Insurance: What to Know

Sprinter vans are vastly used among many different businesses across the US. In fact, you’ve probably seen one driving around your neighborhood today delivering Amazon packages!

Sprinter vans have many different names, such as:

  • Commercial vans
  • Cargo vans
  • Business vans
  • Company vans 

If you operate a sprinter van or run your own trucking company then you need the appropriate insurance coverage. You can protect yourself and your business from losses resulting from injuries, accidents, and/or claims. So, with the help of sprinter van insurance, you’ll be able to cover liability costs and medical bills from an accident. In this article, we’ll expand on the importance of sprinter van insurance and what it covers.

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difference between primary liability and non-trucking

The Difference between Primary Liability and Non-Trucking

If you’re a truck driver then understanding insurance is vital. Not only is the trucking industry heavily regulated, but not having the minimum required insurance can result in fines, penalties, and driver suspension. This is because the job is very high-pressured and considered safety-sensitive. Therefore, insurance is a must.

Two of the most important coverages in a truck insurance policy are primary liability and non-trucking liability. In this article, we’ll discuss the key differences between the two coverages. Let’s begin.

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truck insurance for new authorities

Truck Insurance for New Authorities

If you’re reading this, chances are you just started your own trucking company! So, now is the perfect time to start shopping around for truck insurance. Don’t worry if you have no idea how to go about it. We’ve got you covered. In this article, we discuss the process of getting truck insurance if you’re a new authority. Let’s begin.

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cargo insurance cost

What Does Cargo Insurance Cost?

Cargo insurance is required if you haul and deliver goods for a living. How it works is lost or damaged shipments will be compensated for but only up to your policy’s limit. As you can imagine, cargo insurance can get pretty expensive since many shipments are worth hundreds of thousands of dollars, if not more.

In fact, shippers are very strict when it comes to truckers having the required cargo limit. If you fail to meet the requirements you’ll be denied the load. As you can see, cargo insurance is no joke, and businesses are prioritizing the protection of their goods during transportation.

As you can expect, there’s no one size fits all when it comes to cargo insurance. Every business is unique and your coverage will be tailored to meet your specific needs. So, without further ado, here’s the cost of cargo insurance and factors that can affect your rates.

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cost of commercial insurance

What Influences the Cost of Commercial Truck Insurance?

If you run your own fleet or drive for a company, getting commercial insurance should be your top priority. Insurance offers you financial coverage against damage and injuries.

Remember that hauling cargo across state lines entails a lot of risks. If you were uninsured and something happened to your cargo then you would be left footing the bill. This can cost you thousands of dollars and leave your trucking business in a place where it can’t financially recover.

As I’m sure you know, trucking insurance isn’t particularly cheap. However, the cost is worth it when you consider the risks truckers face every day.

In this article, we’ll discuss the cost of commercial insurance and what factors affect it.

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best rates on trucking insurance

How to Get the Best Rates on Trucking Insurance

Insurance helps us in many aspects of our lives, and as a truck owner, your truck insurance can protect you in the event of an unwanted incident. However, it can be a challenging task for a trucking company to find optimal rates for their truck insurance policy.

Though getting the best truck insurance policy is vital, we can’t ignore the significance of receiving a good rate. Nevertheless, a key takeaway is that the insurance industry is getting more and more competitive with new agencies entering the business every day. Fortunately, you may be able to use this to your advantage when shopping around for the best rates.

Don’t worry if you don’t know how to go about it, we’re here to help you out. In this article, we’ll share 5 ways you can get the best rate on your truck insurance.

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reduce your commercial insurance

How to Reduce Your Commercial Insurance Rates

As an independent owner-operator, you’re probably looking for the best trucking insurance to reduce your costs. Insurance coverage can be a burden on your finances, especially for small fleet owners.

Various factors can affect your truck insurance rates, such as:

  • The age and experience of your drivers 
  • How long you’ve been in business
  • The condition of your trucks 

To help you out, we’ll discuss a few ways you can reduce your commercial insurance rates.

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blue semi truck

Guide to Understanding Commercial Truck Insurance Coverage

Commercial truck insurance is a must for any company in the trucking industry. However, this is even more important if you’re a small business owner. Since truck insurance is geared more towards large-scale companies, it can be costly for smaller ones. It depends on the type of trucks a company owns, the risks involved, and their drivers’ experience.

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