Semis (tractor-trailers or 18-wheelers)
Each of these types of trucks has a very different role. The amount you and/or your employees drive your commercial trucks, the miles your trucks travel each year and what they haul will all factor into the type and amount of coverage you need to protect your business investments.
Like many auto insurance policies, commercial truck insurance comes with several types of coverage, each of which is specifically designed to protect your business and your personal assets from catastrophic loss. The coverage you need may include:
In addition to these types of coverage, you will have many other options as you structure your policy to cover your specific concerns. For example, if your employees sometimes need to drive their own vehicles in the course of business, you may want a non-owned vehicles policy.
This coverage will protect you and your drivers from the costs associated with accidents that occur during business hours when an employee is driving a vehicle that your company does not own.
Since commercial truck insurance varies widely depending on the type of truck and the use of the vehicle, it can be very difficult to get a side-by-side comparison of different quotes for the same types and amounts of insurance coverage.
Fortunately, an independent agent can help by comparing quotes for you from several different insurance companies. Working with an agent who will take the time to understand your business, and how you use your commercial trucks, can help you save time and money.
Your agent will be able to quickly do the leg work to get several different quotes that match your commercial truck insurance needs. There is so much to consider when insuring your commercial trucks. To get accurate quotes, your agent needs to know things, like:
Questions like these, as well as the driving records of your employees, will help your agent gather a range of quotes from several different companies, including various commercial vehicle discounts that may be available to you.