Types of Truck Coverage

 This commercial vehicle insurance covers bodily injury and property damage you cause others while your truck is on the road. The federal government requires you to have this type of coverage before using or leasing your trucks for business purposes.   

 This state-required insurance protects your business from incidents that happen off the road. It covers incidents that happen as a result of your day-to-day operations, like slip-and-fall accidents and loading delivery errors.  

 Physical damage insurance covers any repairs made on commercial trucks due to theft, collision, vandalism, and natural disasters. If your vehicle is irreparable, this truck insurance policy can also cover the cost of its replacement.    

 Workers Compensation Insurance provides wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.   

Medical payment coverage pays for any medical bills you or a passenger incur while driving or riding in the truck. Each state will vary in this coverage. 

Uninsured Motorist does exactly what it implies:  This insurance will protect you if another person hits you and doesn’t have liability insurance. 

 Trailer Interchange insurance provides Physical Damage insurance for trailers being pulled under a trailer interchange agreement. This is essentially Physical Damage insurance for non-owned trailers. This insurance protects you if the trailer is damaged by collision, fire, theft, explosion or vandalism.   

 The non-trucking insurance policy covers you when your truck is used on off-days for non-business purposes.   

  This cargo insurance provides coverage for the goods you transport, including losses that result from collision, fire, or striking. For example, if your truck gets stuck in an ice storm or heavy traffic, this commercial truck insurance protects your commodities.   

 Rental reimbursement is exactly what it sounds like — it provides you with money for renting a replacement truck while your vehicle is being repaired.   

If you own refrigerated trucks, reefer breakdown coverage would cover the cost of things like:

• Refrigeration breakdown
• Lost cargo
• Damage to products because of a collision

Some insurance policies have exclusions. For instance, certain products are excluded, such as tobacco products, frozen food, or seafood.