Commercial Truck Insurance

When it comes to commercial truck insurance, make sure you have the right coverage to ensure you and your employees are taken care of in the event of an accident.

Liability Insurance

This type of coverage protects you from the cost of medical injury or property damage resulting from an accident caused by you or a company employee in an insured vehicle. Policies usually list separate limits for bodily injury and property damage. With commercial truck insurance, many agencies will offer a single limit option, allowing for greater flexibility with how the costs of the accident are handled.

Property Damage

This coverage is designed to pay for the repair or replacement of damaged property, including cars, fences, poles, mailboxes, and buildings. It can also help with legal expenses if a business is faced with a
Types of this policy include:

- Collision: For the repair or replacement of the insured vehicle as a result of an actual collision.
- Comprehensive: For repairs associated with damage to the vehicle that are not the result of a traffic collision, such as in the cases of fire, theft, inclement weather, or collisions with animals.

Uninsured or Underinsured Motorist

While most states require motorists to be covered by liability insurance, some drivers do not carry appropriate coverage. Including uninsured motorists coverage on your commercial truck insurance policy can help if you or your staff is hurt, or if your vehicle is damaged in an accident caused by an uninsured or underinsured motorist.

Other Commercial Vehicle Coverage

There may be special options appropriate for your particular business needs, such as coverage for:

- Non-owned vehicles to protect cars that are not owned by your company.
- Individual-named insured endorsement in the case of individuals or sole proprietorships, which allows for coverage if the vehicle is for business and personal