The following are the answers to some frequently asked questions we encounter when looking for commercial trucking insurance.

The coverage a new venture or new authority trucking enterprise needs largely hinges on what’s going to be hauled. Regardless, there are six main coverage areas to consider:

1 . Primary Liability – Primary liability covers any accident that occurs on the road and the operator is at fault. This coverage protects the public for claims including collisions with vehicles and other personal property and is required for all federally registered interstate truckers.

2. General Liability – General liability covers you for incidents that occur when you are not “trucking’. This includes such accidents as slipping and falling inside policy holder’s place of business.

3. Physical Damage Insurance – Physical damage insurance covers damage done to the vehicle regardless of fault. Physical Damage coverage consists primarily of:

• Collision Insurance – For collisions with vehicles and other property.

• Comprehensive Insurance – For non-collision damage, e.g., vandalism or fires.

4. Cargo Insurance – Protects the shipper and covers damage done to cargo while it is in policy holder’s possession.

5. Non Trucking Liability – If you are an owner/operator permanently leased to a motor carrier this policy is required to protect the public when you are operating your vehicle outside the scope of the motor carrier’s business, i.e, for your personal purposes such as going grocery shopping.

6. Occupational Accident Insurance – Covers work-related accidents that harm operator health. Pays medical bills and lost wages for covered claims.

7. Excess “Umbrella” Insurance – Increases the policy limits (usually for the primary liability). Many shippers require insurance limits higher than those required by DOT regs.

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