Truckers liability insurance

Do Truckers Need Liability Insurance?

As a professional truck driver, you’ll need a variety of insurance policies to protect yourself in the event of an accident, cargo loss, or other misfortune.

Liability insurance is one such form of coverage that every trucker requires. Truckers’ liability insurance is not only recommended, but also mandated by law in every state in the United States.

Liability insurance is a must-have for any business, but it’s especially crucial for truckers who spend a lot of time on the road because it may assist cover any injuries that occur while driving or operating your trucks. You may be liable for the costs of any off-road incidents if you do not have this insurance. And not having insurance could be costly to your company or to you as a truck driver...

What Is Covered By Truckers’ Liability Insurance?

When it comes to driving a truck, there are some risks that truck drivers must be aware of. You may have legal obligations as an employer if you own a company with a large fleet of vehicles and drivers.

Primary auto liability and general liability insurance are the two types of liability coverage that are legally required for truck drivers.

Auto Liability Is Your Primary Concern

Primary auto liability insurance pays for any injuries or property damage caused by your vehicle to a third party. This is the coverage that protects you if you or your company’s driver is determined to be at fault.

Liability in general

Other injuries on your property or as a result of your operations are covered by general liability insurance. For example, if a customer slips and falls on your premises, or if a package is sent to the wrong address by mistake, general liability insurance can cover these business-related (but not road-accident-related) situations.

Why Is Liability Insurance So Important For Truckers?

Aside from the obvious necessity to follow the law, truckers need liability insurance to protect their business, their drivers, their customers, and other road users.

A single blunder can be quite costly, but liability insurance can help cover such costs if they arise. If you are involved in an accident, your liability insurance may even cover expenditures such as attorney fees. Before you go behind the wheel of a truck or dispatch your delivery crew, be sure you have a liability insurance coverage in place to safeguard your company.