If you’re a commercial trucker, you're no stranger to long hours and the open road. Hopefully, you’re also not a stranger to commercial trucker insurance. Nobody likes to think about the “what-ifs,” but as a truck driver, it’s extremely important to have insurance. It can help protect you against everything from liability to trailer interchange and everything in between.
At Larsen Flynn Insurance, Inc., an independently owned and locally operated insurance agency, we understand that you don’t want to spend hours finding the right trucker insurance for you. We’ll make it easy to find a policy that fits your needs.
There are a few things that are covered in most trucker insurance policies.
Truckers’ general liability coverage ensures that you’re covered if you’re operating at a location that isn’t your own. This could be things like loading docks and truck stops.
Primary liability is an important coverage to have because it helps to cover the damages that may occur to others or their property while you’re operating your truck. For example, this could help cover someone’s damaged vehicle if you back into it by accident.
Physical damage coverage is one of the most important parts of your policy because it helps to pay for the repair of your equipment in the case of an accident. It also covers costs associated with theft.
Medical payment coverage varies from state to state, so you should check with your state’s requirements before deciding on coverage. Your medical payment coverage helps cover the cost of medical bills if you or one of your passengers is injured in an accident while in your truck.
Uninsured or under-insured motorist coverage is required on most auto insurance policies as well, and it’s no surprise that it’s also required for most truck drivers. This coverage helps to cover the costs of repair if someone uninsured or underinsured damages your truck and isn't able to cover the cost of damages.
Protecting your cargo is one of your biggest and most important jobs as a trucker. That being said, motor truck cargo coverage helps to protect your cargo in circumstances like stolen goods, wet loads, and more.
If you’re in need of a commercial trucking insurance policy, contact us today to get a quote on the perfect policy for you.