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We understand the unique challenges and risks you and your company face on the road. Our brokers specialize in tailoring comprehensive policies for owner operators and fleet account. Save up to 15% on your Liability, Cargo, Physical Damage and Worker's Comp policy.
What Is Commercial Auto Insurance?
Commercial auto insurance is a type of insurance policy designed specifically for vehicles used in the course of business. This insurance provides coverage for a wide range of vehicles, including cars, trucks, vans, and other commercial vehicles used for business purposes. The policy typically includes liability coverage, which pays for damages and injuries you may cause to others in an accident, as well as coverage for your own vehicle in the event of a collision, theft, or other types of damage.
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When seeking truck insurance, consulting with our experienced broker can make a significant difference in finding the right coverage tailored to your needs. Our broker brings a wealth of industry knowledge and expertise, ensuring that you understand the complexities of truck insurance policies and their various options.
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What Businesses Need Commercial Truck Insurance?
Commercial truck insurance is essential for a variety of individuals and businesses involved in the trucking industry. Here are some of the key groups who need this type of insurance:
Owner-Operators
Independent truck drivers who own and operate their own trucks need commercial truck insurance to protect their vehicles, cargo, and themselves from potential risks on the road.
Motor Carriers
Companies that own the trucks and hire drivers to operate them need insurance to cover their assets and liabilities, ensuring they are protected against accidents, damages, and lawsuits.
Trucking Companies
Businesses that operate a fleet of trucks for transporting goods must have commercial truck insurance to cover their vehicles, drivers, and cargo. This includes both large and small trucking companies.
Private Carriers
Businesses that use trucks to transport their own products, such as manufacturers or retailers, require commercial truck insurance to protect their vehicles and goods.
For-Hire Truckers
Drivers or companies that transport goods for others on a contractual basis need commercial truck insurance to meet regulatory requirements and protect their business operations.
Specialty Truck Operators
Operators of specialized trucks, such as tow trucks, dump trucks, and refrigerated trucks, need specific coverage tailored to their unique risks and operational needs.
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What’s not Covered by Small Business Auto Insurance?
Personal Use of Business Vehicles
If an accident occurs while a vehicle insured under a business policy is being used for personal reasons, the claim may be denied.
Employee-Owned Vehicles
Vehicles owned by employees and used for business purposes may not be covered under the business auto policy. Separate non-owned vehicle liability coverage might be required.
Certain Types of Liability
Liability arising from activities outside the scope of the vehicle's operation, such as loading and unloading accidents, might not be covered.
Unauthorized Drivers
Accidents involving drivers not listed on the policy or those without proper authorization might not be covered.
Excluded Drivers
Specific individuals excluded from the policy will not be covered if they are involved in an accident.
Rideshare Services
Using a business vehicle for rideshare services without appropriate coverage or endorsements may result in claim denial.
Specific Policy Exclusions
Each policy has specific exclusions, which can vary by insurer. It's important to review the policy details for any unique exclusions.
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