Truck Insurance

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The trucking industry is an important one in the United States and it offers business owners high income potential. However, this industry also carries a number of risks including the high potential for property damage, injuries and liability lawsuits. 

Fortunately, when your business is protected by a solid business insurance plan that has been especially tailored to your particular industry, you can rest assured that it is as protected as it can be against the financial losses that are common in this industry.

There is no reason to struggle with understanding the many different coverage options offered by business insurance policies for the trucking industry. Instead, turn to First Underwriters. 

We are equipped to answer your insurance-related questions and help you build a policy that is well-suited to your trucking company.

Because we are not independent of any particular insurance company, we can work with a variety of highly-rated insurance companies to present you with a selection of policies and rates

Truck Insurance Coverages

Covers your liability risks in the event that you or one of your employed drivers causes an accident. Your commercial truck liability will include bodily injury liability to cover the costs of injuries and medical expenses for the injured party, and property damage liability to cover the costs of property damage in an accident. Your commercial truck liability insurance will typically also cover the costs of legal defense, whether or not your company is found to be at fault in an accident.

Covers the costs of damage to your vehicle from an accident or other incident. This coverage includes both collision coverage to pay for damage from a crash as well as comprehensive coverage to pay for damage from theft, vandalism and “other than collision” causes.

Insurance exists for the purpose of protecting persons and organizations from the adverse financial consequences of certain unpredictable events, regardless of the coverage line being considered. For general liability insurance, the unpredictable event that constitutes the subject of the insurance is a claim of legal liability arising out of a company’s operations, premises, products, and completed work.

Covers the costs of injuries and damages if you or one of your employees is in an accident where another driver is at fault, but that driver does not have adequate coverage to pay for your injuries and property damage.

Covers damage or theft of items your truck is hauling.

Commercial property  is the policy that an organization purchases to pay for damage to its own buildings and the personal property in them. A commercial property policy can also cover loss of income or increase in expenses that result from insured damage to buildings and their contents.

Umbrella liability insurance and excess liability insurance are two forms of secondary coverage—that is, they both sit above one or more underlying liability policies and do not attach until the underlying policy’s limit of insurance has been exhausted.

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