Commercial Truck Insurance

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Commercial Truck Insurance

Commercial Truck Insurance covers the various exposures that a for-hire trucking firm has from short haul to long haul trucking operations. Below is a list of common exposures unique to trucking operations.

Commercial Truck Insurance Exposures

The following list includes typical Commercial Truck Insurance types.

Trip leases
Cargo coverage
Bobtail coverage
Dead head coverage
Back haul
MCS-90

Owner operators
Leased vehicles
Trailers
Tandems
Triples

Typical Commercial Truck Insurance Policy provides the following coverage

Liability insurance – Mandatory insurance that pays for any damage you cause with your truck, including bodily injury (BI) and property damage.
Medical payments – Coverage under a commercial truck insurance policy that pays for medical expenses for an insured who sustains any BI caused by an auto accident, without regard to fault.
Uninsured motorists and Underinsured Motorists coverage – Covers costs resulting from an accident involving a hit-and-run driver, or a driver who does not have insurance or does not have enough insurance to provide coverage for you or your passengers in the event they are at fault and you or your passengers sustain a BI.

Bobtail insurance – Auto liability coverage for an owner/operator after a load has been delivered, and when the truck is not being used for trucking purposes.
Motor Truck Cargo – Inland marine coverage for loss of property in the course of transit, either by common carrier or on the insured’s own vehicles, depending on the form used. Covers the load they are carrying.
Physical damage coverage – Includes Comprehensive and Collision insurance.

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Commercial Truck Insurance