One of the most important aspects for any business is to ensure that its workers are taken care of and protected, whether this means adequate pay grade or providing insurance. For a potentially dangerous job like trucking, this is even more important. Find the right commercial truck insurance plan that can protect your employees, thereby helping to keep your business strong as well. A healthy worker is a happy worker!
Workers Compensation Insurance
The most basic form of protection for your employees is workers compensation insurance. Although it simply sounds like a way to protect your employees, it actually is crucial to your business as well.
The principle purpose of workers compensation insurance, or “workers comp” for short, is to protect the employee in case of an illness or injury. This includes reimbursement of lost wages, coverage for work-related sicknesses and injuries, legal expenses to defend against employee claims, and payment for losing such cases.
While some of this may seem tedious, it is actually a required by US law in most states. And you want your employees to know that their well-being is in mind and provided for.
It is worth noting that workers comp does not typically cover independently hired drivers, who may need additional coverage. Check with you truck insurance provider.
General Liability Insurance
General liability insurance is the bare minimum commercial truck insurance that must be purchased to operate a business. It covers on-site accidents to the truck, the driver, and others if the driver is at fault.
Additional cargo insurance may also be necessary for drivers who carry freight, in order to operate within the confines of the law. Contact an agent for assistance and to ask specific questions.
Trucking Insurance
If you would like further information about the commercial trucking insurance industry or what policies are required to fully cover your business, read out Truck Insurance Blog for more details. You can also call 1-866-989-8998 or request a quote for more details.
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