Trucking Insurance Solutions has been providing Commercial Transportation Insurance for truckers throughout the nation. We provide custom Insurance Programs & Risk Management Solutions from various A-rated Insurance Carriers for your Commercial Transportation Insurance needs. We can quickly tailor a policy just for you that meets all of your specific truck and trailer requirements while remaining within or under your budget.

What does Commercial Truck Insurance Cover?

Commercial Trucking Insurance is very similar to auto insurance. Policies are available with several types of insurance coverages to fit each trucker’s specific needs. Commercial Truck Insurance policies are specially designed to protect your business, assets, and the cargo you are hauling. Trucking Insurance Solutions can provide your company & drivers with excellent coverage including, but not limited to:

Commercial Auto Liability Insurance

Commercial Truck Liability Insurance covers your liability risks if you or one of your drivers has an accident. Your policy will include bodily injury liability to cover the costs of any injuries and/or medical expenses for the injured party. You will also have property damage liability to cover the costs of any property damage resulting to the other party involved from an accident. Your Commercial Truck Liability Insurance will also cover the expenses of your legal defense if you are sued.

Physical Damage Insurance

Physical Damage Coverage covers any damage to your truck & trailer from an accident or various other incidents that may occur. It also includes comprehensive coverage that pays for damage from theft, vandalism, and non-collision causes. Physical Damage Coverage also includes collision coverage, which protects you from physical accidents.

Uninsured Motorist Coverage

Uninsured Motorists Coverage covers any costs of damages to your power unit & injuries to you or one of your employees when the other driver is at fault but has no insurance.

Motor Truck Cargo Insurance

Motor Truck Cargo insurance, otherwise known as Cargo, provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.

Refrigerated Breakdown Coverage

Reefer Breakdown Insurance that is also known as Reefer Insurance is a specific type of insurance that covers losses to refrigerated goods caused by the breakdown of the refrigerator in the truck. Loads rejected due to improper temperature control will not be covered under the policy.

Pollution Liability Coverage

Environmental insurance (also known as pollution insurance or pollution coverage) provides coverage for loss or damages resulting from unexpected releases of pollutants typically excluded in general liability and property insurance policies. The losses or damages covered by environmental insurance usually arise in the form of claims against insureds for bodily injury, property damage, cleanup costs, and business interruption.

Bobtail Insurance & Non-trucking Liability

Bobtail liability is the term coined to apply to auto liability coverage for an owner/operator after a load has been delivered and while the truck is not being used for trucking purposes.

NTL insurance does not cover you when you are driving for work, like when you are on your way to pick up a load, deliver a load, or while you're loading or unloading. It is there to protect you when you are not working. This way, you can feel safe and relaxed while driving for personal reasons.

Workers Compensation Insurance

Workers’ compensation pays for benefits like medical care to treat employees who are injured or become ill because of their jobs. It might also pay some of their lost income. If an employee dies because of a work-related injury or illness, it pays some burial expenses and benefits to the employee’s family.