Semi -Truck Insurance
Semi-truck insurance usually needs to encompass several types of coverage in order to provide the best protection for specialized uses that may exist in the commercial trucking industry. What your semi hauls, where it hauls, and how often it hauls are all factors in determining the commercial trucking insurance policy that’s right for you or your business.
Semi-Truck Insurance Quote
What Does Semi-truck insurance cover?
In addition to primary liability, physical damage provisions or comprehensive coverage is usually the first step toward properly protecting your rig. Comprehensive insurance covers damages to your own vehicle in the event of fire, accident, theft, and other disasters.
Some semi truck drivers or fleets might need some other key truck insurance elements, depending on the nature of their business. Trailer insurance is a must for companies or independents who own their own trailers, and trailer interchange insurance covers other companies’ trailers while they are attached to your truck due to trailer interchange agreements. Good cargo insurance such as general freight insurance might provide appropriate protection in the event of damage to, or loss of cargo.
For independent owner/operators, bobtail insurance covers your rig while you’re not under contract by another motor carrier and subsequently covered by their truck insurance policies. Larger motor carriers should carry enough commercial truck insurance to protect their employees, equipment, and cargo.
What Semi-Truck Insurance May Not Cover
Semi-truck policies can be specialized for particular businesses, but owners should keep in mind the coverage that they have chosen to omit from their commercial trucking insurance. If your business needs change, Royalty Truck Insurance is happy to work with you to help your policy adapt.
Other Policies to Purchase with Semi-Truck Insurance
Some types of specialty semi trucks, such as produce trucks, refrigerated trucks or household goods haulers, will need additional specially designed coverage, such as produce hauler insurance or moving truck insurance. These specialty policies wrap appropriate liability and physical damage provisions together with the needs of specialty vehicles in mind.
Talk to an agent today for more info regarding semi truck insurance or to receive free commercial truck insurance quotes!