Operator working under someone’s authority
If you are an owner operator working under someone’s authority, you will need the following coverages:
Non-Truck Liability Insurance
It covers you when you use your truck for personal use, when you are in your home state and off duty, like going shopping or travelling to sporting event. This coverage is designed to protect you from gap in primary liability coverage provided to you by the trucking company. Non truck liability does not cover you if you are carrying cargo or dispatched to another state by your carrier.
Physical Damage
There two types of coverage normally offered and purchased:
Collision Coverage – pays for damages to your truck caused in a motor vehicle accident (regardless of fault).
Comprehensive Coverage – pays for damages to your vehicle caused by other than collision incidents, such as fire, vandalism, falling objects and theft.
When you purchase physical damage coverage, carefully consider your vehicle’s condition and research its market value, so our agents can help you purchase proper limits of coverage.
Operating under your own authority
If you are operating under your own authority (you have a DOT number), you will need a combination of the following coverages:
Commercial Auto Liability
This is a required coverage that pays for injuries and damages caused by your negligence. Such as for repairs to another vehicle or pain and suffering pay out to a pedestrian or driver of another vehicle. If you are For-Hire trucker, majority of shippers will require you to carry limits of $1,000,000. Liability insurance is required for insurance companies to complete your Federal, State and Local fillings.
Motor Truck Cargo
Commonly referred to as cargo, this coverage provides protection to the freight or commodities hauled in your truck if it was damaged due to a motor vehicle accident or natural disaster. Majority of shippers will require you to purchase minimum limits of $100,000. Many insurers have strict policy conditions, therefore, please make sure to discuss your operations and commodities hauled with our agent to secure proper coverage.
Reefer Breakdown Coverage
Is purchased with Cargo coverage by truckers hauling perishable commodities. This coverage provides legal liability for losses caused by spoilage or change in temperature due to sudden and accidental breakdown of refrigeration unit of your vehicle.
Trailer Interchange
Is a type of Physical Damage coverage usually purchased by truckers hauling trailers under the Trailer Interchange Agreement. This coverage only applies when a trailer is attached to the insured truck and there is a written trailer interchange agreement.
General Liability
It protects you from injuries and property damages caused to other parties due to activities not directly related to operating the truck. Such as customer’s slip and fall incidents at your facilities or negligent acts of your driver when in scope of your operations (other than motor vehicle accident).
Underinsured Motorist
This coverage pays you for injuries sustained in a motor vehicle accident caused by negligence of underinsured party. Underinsured party is someone who has auto liability limits that are lower than the value of your claim.
Uninsured Motorist
This coverage pays you for injuries sustained in a motor vehicle accident caused by negligence of uninsured party.
Medical Expenses
Depending on state, this coverage may cover your and/or pedestrian’s medical expenses incurred due to motor vehicle accident.
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Maxum Indemnity
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National General Insurance
NEXT
NICO
Northfield Insurance
Northland Insurance
Occidental Fire and Casualty
Palomar
Pan American
Philadelphia Insurance
Companies
PMA Companies
Prime Insurance
Progressive
Scottsdale Insurance
Shepherd Compello
Star Mutual
Trisura Specialty Insurance
United Financial Casualty
UPMC
USLI
Valley Forge Insurance
Wesco Insurance
White Pine Insurance
Work Partners
Accredited Surety and Casualty Company
Agency Insurance Company (AIC)
American Inter Fidelity
Exchange
A-One Commercial Insurance
ASPEN AMERICAN
INSURANCE
Bell & Clements LTD
Berkshire Hathaway
Canal Insurance
Canopius
Canopius US Insurance Inc
Capitol Specialty Insurance
CNA
County Hall Insurance
Crum & Forster
DB Insurance
Falls Lake National Insurance
Great American Insurance
Great Lakes Insurance SE
Hiscox
IAT Insurance Group
James River Insurance
Knight Specialty Insurance
Lancer Insurance
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