Trucking Insurance

No matter how many trucks your business has on the road, commercial truck insurance will help protect your business, your vehicles, and you. Quality is key, which is why we take it seriously.

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Soliman Insurance & Financial Services

At Soliman Insurance & Financial Services, we build lasting relationships and make our clients a part of our family. Our mission is to honor God in everything we do and to love our members as ourselves. We are always a simple phone call away for all of your insurance needs. We work consistently to provide optimal communication to our clients so they can stay informed. There is always a live agent available when you call. With our seamless and straightforward process, you will find ease working with us for your insurance needs.

What is commercial truck insurance?

For trucking businesses, businesses with trucks, or independent truck drivers, commercial truck insurance is an insurance policy tailored to meet the individual needs of the company and/or driver that specifically addresses trucking risks. Regardless of how many trucks you have out on the road, trucking insurance helps to protect you, your business, your vehicles, and your drivers. If you are the owner/operator of a truck or lease a truck through a motor/carrier, you will need to find the right truck insurance.

Types of Coverage

Commercial truck insurance is explicitly developed to cover trucking needs. Policies start with a basis of primary liability and build up from there with an array of various coverages. You are often required to have direct liability insurance as a licensed trucker. Primary liability protects people and property from damage caused by your truck. Owners of trucking companies will need to expand their coverages to general liability to get their trucks out on the road. Other types of truck insurance include auto physical damage and motor truck cargo.

General Liability Insurance

General liability coverage gives your business protection for any property damage or bodily injury that may occur which does not involve a truck. General liability also can provide premises coverage for businesses. If coverage is excluded by the auto liability coverage, it is usually covered by general liability. General liability can also pay for bodily injury, property damage, personal injury, and medical costs depending on the policy limits.

Auto Liability

Auto liability or truck liability insurance is required by law. This insurance protects the motor carrier for legal liability from the insured vehicle’s ownership, maintenance, and operation.

Auto Physical Damage

Auto physical damage insurance protects against loss or damage to the covered vehicle. Physical damage insurance is required in most cases if there is a lien on the truck.

Motor Truck Cargo

Motor truck cargo insurance is designed to cover the carrier’s liability for any damages, destruction, or other losses of a customer’s property during shipment. There are many various kinds of motor truck cargo insurance available. If you are transporting goods with your trucking company, you must purchase motor truck cargo insurance.

Uninsured Motorist Coverage

While laws mandate that all drivers be covered with auto insurance, not all drivers are. Uninsured motorist protection protects you in this scenario.

Underinsured Motorist Coverage

Some drivers may not have enough insurance to cover all of the costs associated with an auto accident, especially if the other driver has the bare minimum in coverage. Underinsured motorist protection protects you in this scenario.

Key Takeaways

Take the guesswork out of protecting yourself, your business, and your drivers, and get with an agent today. You work hard to provide a service to your customers. It is essential to ensure that your trucking insurance is working for you and that you are in the right policies for your unique situation. No two policies are alike, and there is no one size fits all solution for commercial truck insurance. We build lasting relationships with every client we work with. We have numerous insurance carriers available to choose from to get you in a policy that is right for you. Call to meet with an agent today.