You will need a combination of the following coverages:
Commercial Auto Liability
This is a required coverage that pays for injuries and damages caused by your negligence. Such as for repairs to another vehicle or pain and suffering pay out to a pedestrian or driver of another vehicle. If you are For-Hire trucker, majority of shippers will require you to carry limits of $1,000,000. Liability insurance is required for insurance companies to complete your Federal, State and Local fillings.
Physical Damage
There two types of coverage normally offered and purchased:
Collision Coverage – pays for damages to your vehicle caused in a motor vehicle accident (regardless of fault).
Comprehensive Coverage – pays for damages to your vehicle caused by other than collision incidents, such as fire, vandalism, falling objects and theft.
When you purchase physical damage coverage, carefully consider your vehicle’s condition and research its market value, so our agents can help you purchase proper limits of coverage.
Motor Truck Cargo
Commonly referred to as cargo, this coverage provides protection to the freight or commodities hauled in your truck if it was damaged due to a motor vehicle accident or natural disaster. Majority of dump truck operators rarely purchase this coverage. We encourage you to review your contract and discuss it with our agents to secure proper limits.
General Liability
It protects you from injuries and property damages caused to other parties due to activities not directly related to operating the truck. Such as customer’s slip and fall incidents at your facilities or negligent acts of your driver when in scope of your operations (other than motor vehicle accident).
Underinsured Motorist
This coverage pays you for injuries sustained in a motor vehicle accident caused by negligence of underinsured party. Underinsured party is someone who has auto liability limits that are lower than the value of your claim.
Uninsured Motorist
This coverage pays you for injuries sustained in a motor vehicle accident caused by negligence of uninsured party.
Medical Expenses
Depending on state, this coverage may cover your and/or pedestrian’s medical expenses incurred due to motor vehicle accident.
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Lloyds of London
Maxum Indemnity
Milford Casualty Insurance
National Fire Insurance
National General Insurance
NEXT
NICO
Northfield Insurance
Northland Insurance
Occidental Fire and Casualty
Palomar
Pan American
Philadelphia Insurance
Companies
PMA Companies
Prime Insurance
Progressive
Scottsdale Insurance
Shepherd Compello
Star Mutual
Trisura Specialty Insurance
United Financial Casualty
UPMC
USLI
Valley Forge Insurance
Wesco Insurance
White Pine Insurance
Work Partners
Accredited Surety and Casualty Company
Agency Insurance Company (AIC)
American Inter Fidelity
Exchange
A-One Commercial Insurance
ASPEN AMERICAN
INSURANCE
Bell & Clements LTD
Berkshire Hathaway
Canal Insurance
Canopius
Canopius US Insurance Inc
Capitol Specialty Insurance
CNA
County Hall Insurance
Crum & Forster
DB Insurance
Falls Lake National Insurance
Great American Insurance
Great Lakes Insurance SE
Hiscox
IAT Insurance Group
James River Insurance
Knight Specialty Insurance
Lancer Insurance
Lexington Insurance