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Commercial auto insurance provides coverage for the cars, vans, and trucks used in conducting business. It can be purchased to cover all types of vehicles, from standard passenger cars to larger commercial vehicles such as box trucks, work vans, and service utility trucks. Different businesses require different types of commercial auto insurance. Commercial trucking insurance is a type of commercial auto insurance designed to protect against the risks associated with the trucking industry.
Trucking is a different activity than driving in a commercial vehicle for work. Truck drivers are hauling large quantities of materials or merchandise across greater distances for many hours at a time, many times crossing state lines. They are subject to the Federal Motor Carrier Safety Administration (FMCSA) regulations and required under those regulations to carry specific insurance minimums. The trucking industry faces different risks on a daily basis than a business that uses cars and vans to operate.
The two basic types of commercial trucking insurance are general liability and primary liability. A standard general liability commercial truck insurance policy covers:
Primary liability insurance is also required for truckers under FMCSA regulations. It is designed to protect others from bodily injury or property damage if a truck causes an accident.
Speak with our knowledgeable agent for information about the different types of commercial trucking insurance you may need to fully protect your business.
Possible additional coverages may include: