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If you are a commercial truck driver or owner, you know how important it is to have the right insurance for your truck, trailer, and cargo. Commercial truck insurance is a type of insurance that covers the risks and liabilities associated with operating a commercial truck. It protects you, your truck, and your business from financial losses in case of an accident, theft, fire, vandalism, or other unforeseen events.
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At Prosperity Insurance Agency, we offer a wide range of services to help you find the best commercial truck insurance for your needs. We have over 20 years of experience in the trucking industry and work with top-rated insurance carriers to provide you with customized and affordable coverage options. Whether you need a quote, a policy, a claim, or a consultation, we are here to help you.
Commercial Truck Insurance Coverages
Commercial truck insurance coverages are the specific types of protection that you can choose for your truck, trailer, and cargo. Depending on your truck type, size, weight, usage, and state requirements, you may need different coverages to comply with the law and protect your assets. Some of the common coverages that we offer are:
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Liability Insurance: This covers the damages and injuries that you cause to other people or property in an accident. It includes bodily injury liability and property damage liability. This is the minimum coverage required by most states for commercial truck drivers.
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Physical Damage Insurance: This covers the damages to your own truck and trailer in an accident or theft. It includes collision coverage and comprehensive coverage. Collision coverage pays for the repairs or replacement of your truck and trailer if you hit another vehicle or object. Comprehensive coverage pays for the repairs or replacement of your truck and trailer if they are damaged by fire, theft, vandalism, or other causes.
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Cargo Insurance: This covers the loss or damage of the goods that you transport in your truck. It pays for the value of the cargo if it is stolen, destroyed, or damaged by fire, collision, or other perils. Cargo insurance is usually required by the shippers or brokers that hire you to haul their goods.
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Bobtail Insurance: This covers you when you drive your truck without a trailer or cargo. It pays for the damages and injuries that you cause to others in an accident. Bobtail insurance is usually required by the trucking companies or leasing companies that you work for when you are not under dispatch.
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Non-Trucking Liability Insurance: This covers you when you use your truck for personal or non-business purposes. It pays for the damages and injuries that you cause to others in an accident. Non-trucking liability insurance is usually required by the trucking companies or leasing companies that you lease your truck from when you are not under dispatch.
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Trailer Interchange Insurance: This covers you when you exchange trailers with other drivers or companies. It pays for the damages to the trailer that you are hauling but do not own. Trailer interchange insurance is usually required by the trailer owners or interchange agreements that you sign when you swap trailers.
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Workers’ Compensation Insurance: This covers the medical expenses and lost wages of your employees if they get injured on the job. It also protects you from lawsuits filed by your employees for work-related injuries or illnesses. Workers’ compensation insurance is required by most states for employers who have employees.
These are some of the basic coverages that we offer, but there are many more options and endorsements that you can add to your policy to enhance your protection. For example, you can add uninsured/underinsured motorist coverage, medical payments coverage, towing and roadside assistance coverage, rental reimbursement coverage, and more. We can help you customize your policy to fit your specific needs and budget.