Truck Insurance – Commercial Insurance for Big Rig Trucks, Box Trucks and more

Commercial auto & truck insurance coverage’s.

Other coverage including fleets that may be obtained include:

•Commercial big rig truck liability insurance: Covers your BIPD liability risks in the event that you or one of your employed drivers causes an accident. Your commercial truck liability will include bodily injury liability to cover the costs of injuries and medical expenses for the injured party, and property damage liability to cover the costs of property damage in an accident. Your commercial truck liability insurance will typically also cover the costs of legal defense, whether or not your company is found to be at fault in an accident.

•Optional physical damage coverage: Covers the costs of damage to your vehicle from an accident or other incident. This coverage includes both collision coverage to pay for damage from a crash as well as comprehensive coverage to pay for damage from theft, vandalism and other than collision causes.

•Uninsured/underinsured motorists coverage(IF REQUIRED IN YOUR STATE): Covers the costs of injuries and damages if you or one of your employees are in an accident where another driver is at fault, but that driver does not have enough coverage to pay for your injuries and property damage.

•Motor Truck Cargo coverage: Covers damage or theft of items your truck is hauling.

We have direct binding authority with Big Rig Truck Insurance Brokers.

Coverages

1) Are all of my drivers covered, even if they’re not listed on my commercial auto or truck insurance policy?

Ask your insurance company what their policy is for covering employees who drive your business vehicles.  Some vehicle insurance companies will only extend coverage to drivers who are specifically named on the policy. So, every time you give the keys to one of your vehicles to a new driver, you would need to call your insurer and add them to the policy or else they wouldn’t be covered in case of an accident.

Some commercial auto insurers (but not many) allow “permissive use,” which means that all of your drivers are covered as long as they have your permission to operate the vehicle.

2) Are my employees’ personal vehicles covered on my business auto policy if they get into an accident while running a business errand? What about rental cars?

In many cases, rental cars and employee vehicles aren’t covered under a standard commercial auto insurance policy. And if one of those vehicles is damaged in an accident, you could be liable.

If your business often uses rental vehicles, or if you send employees on business errands in their personal vehicles, consider adding Hired Auto, Non-Owned Auto or Any Auto Coverage to your policy.

3) I’m a seasonal business and don’t need full coverage in some of my off months.  Can I move to a Comprehensive-only commercial auto policy in slow months?

Absolutely. A Comprehensive-only policy provides coverage for businesses that don’t need liability coverage during certain months, but want basic protection against incidents, such as vandalism, theft, falling tree branches, hail, etc. This is ideal for vehicles that sit for long periods during off-season.

Plus, a Comprehensive-only policy provides continuous insurance. If you were to drop your insurance completely, you might pay significantly more to purchase a new policy when your peak season rolls around because most insurance companies want to see proof of continuous coverage.

4) What can you recommend to increase the safety of my drivers and to lower my commercial auto insurance premiums?

Many larger independent agents that specialize in fleets can recommend driver training programs specifically designed for your industry.  These programs can help increase the safety of your drivers and, in some cases, lower your insurance premium.

Claims

5) What kind of service can I expect if I have a claim?

Find out how quickly, on average, your insurer resolves claims. The faster they take care of your claim, the faster you can get your vehicle back to work.

One thing that can affect turnaround time is whether your insurer uses full- time, part-time or contract claims adjusters. Some companies use part-time or contract adjusters to handle commercial vehicle claims, which can slow down the process.

Our Business Insurance 1 carriers handle mostly 100 percent of commercial vehicle insurance claims, even heavy trucks, with its own staff of in-house commercial insurance experts, making sure claims are processed faster than other insurers that outsource this work.

6) When I have a commercial auto claim, is there anything I can do to get my vehicle back on the road quickly?

Even if the accident isn’t your fault, report the claim to your insurance company as soon as possible. They can work with the insurance company of the at-fault driver to help resolve the claim and get your vehicles repaired quickly.

Additionally, carry an accident information kit in each of your vehicles to make it easy for your drivers to capture insurance, driver and witness information following an accident. Most fleet safety companies and local agents have these readily available.

Customer Service

7) Does your commercial for hire truck insurance company provide help with state and federal filings?

Some commercial auto insurers won’t cover vehicles that require filings, while others simply don’t have the capability to help you get the filings your business needs. We have both so no worries here as Truck insurance customers will have filings submitted promptly.

 8) Do you offer 24/7 service?

Many insurance companies are only available during regular office hours, which can make filing a claim, adding a vehicle to your policy, and paying bills inconvenient. Before you buy, check with your insurance company to make sure they’re available when you need them.

 9) Will you shop my policy on a regular basis, including truck insurance?

Although it’s easier to stay with the same insurance company than shop around for new coverages, ask your agent to regularly quote your policy with other carriers to make sure that you’re getting the best deal.

In addition to vehicle insurance, you may need a wider range of additional coverages to protect your business, from general liability to workers’ compensation. While it might be easier to buy all of these products from the same company, you could save big bucks by buying your policies from separate providers.

10) What are my commercial auto payment – commercial truck insurance plan options? Do I have to pay my entire premium up front?

Some insurers have significant finance charges associated with their bill plans or don’t offer flexible payment schedules. Look for companies that offer flexible pay plans, including low initial payments and no finance charges. For example, one of our carriers offers plans that start with as little as 8.3 percent down.

Business owners call now for quick business auto or truck insurance help (855) 820-8321