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Trucking Insurance Information
Serving Downers Grove, Chicago, Westmont, Naperville, Aurora, Skokie, Evanston, Schaumburg
Commercial trucking companies must purchase commercial truck insurance that includes public liability coverage and commercial auto insurance to comply with state and federal regulations.
Contact Primar Insurance Brokers serving Downers Grove, Illinois, to learn more about your commercial trucking insurance coverage options. Our agency is located in Philadelphia and serves the entire Pennsylvania area.
What Is Truckers Liability Coverage?
Trucking operations must have a commercial truck insurance policy that includes minimum amounts of certain types of liability insurance according to state laws and the Federal Motor Carrier Safety Association (FMCSA).
Public Liability Insurance
Public liability insurance provides payment assistance for losses incurred by third parties when a truck driver is at fault in an accident.
The minimum public liability insurance required for each trucking company varies depending on numerous factors, including the type of freight your drivers typically haul. Talk with your agent about the minimum amount of public liability insurance coverage your trucking operation must carry to remain compliant with FMCSA rules.
Commercial Auto Insurance
Illinois requires every commercial vehicle, no matter its size, to carry minimum amounts of commercial auto insurance. This policy helps cover a company’s legal liability if the driver of a company vehicle is at fault in an accident.
You can choose to add more coverage to your commercial auto insurance policy to get help paying for damage to your company’s property after an accident.
Which Commercial Trucking Insurance Policies Are Optional?
Your company has unique insurance needs, and may choose to add coverage to your commercial auto and public liability policies.
General Liability Insurance
General liability insurance is appropriate for nearly any type of business. This coverage helps pay for property damage or third-party injuries if someone gets hurt on your company’s property or your trucking company is sued for causing harm to another person. This policy may also provide coverage if someone is hurt around or in your truck.
Trailer Interchange And Non-owned Trailer Insurance
Trailer interchange insurance helps trucking companies pay for damages occurring while switching trailers to complete a delivery if a trailer interchange agreement is in place. This truck insurance coverage works whether or not the trailer is connected to the truck at the time of the incident. It may help protect your trucking company from the financial effects of fines and repairs.
Non-owned trailer insurance provides similar coverage, but only if the trailer is attached to the power unit when the damage occurs. This coverage does not require a trailer interchange agreement.
Motor Truck Cargo Insurance
Motor truck cargo insurance helps cover accidental damage or loss of cargo. This essential coverage helps provide financial protection for trucking companies or truck drivers responsible for hauling goods and the shipper.
Owner operators and trucking companies often choose to purchase umbrella insurance for extra liability protection. Umbrella insurance for commercial truck drivers kicks in if a liability claim exceeds the limits of the operation’s other liability policies.
How to Get Trucking Insurance
To get the best commercial truck insurance for your trucking operation, contact Primar Insurance Brokers, today.