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Commercial trucking insurance is a critical part of doing business for motor carriers and owner-operators. It is a significant expense and can have a major impact on a company’s profits and long-term viability.

It is not enough to simply secure insurance to maintain your operating authority or to satisfy your lease requirements. You need to ensure your entire truck is covered, from the cab to the trailer, from your driver to the load you are hauling. And in the event of an accident, you need to get back on the road with limited downtime. If your wheels aren’t rolling, your business isn’t making money.

Get Back to the Basics

Understanding the language in your policy is the first step to getting the best coverage for the best value. Here are some definitions and tips to get you started.

Physical Damage: Provides coverage for damage to your vehicle that occurs as a result of an accident. In most cases, coverage responds regardless of who is at fault in the accident, and coverage is available for vehicle glass. TIP – see how much higher deductibles can save you.

Non-Trucking Insurance: For owner-operators, this provides insurance for you on your rig when you are commuting to work, driving home at the end of the day, or even out on a leisurely Sunday drive. TIP – Non-trucking may not be equivalent to bobtail insurance.

General Liability:  Provides coverage for bodily injury and property damage after your load has been delivered or when your truck is parked and not in use. TIP – if you plow snow with your truck, this coverage is essential.

Motor Truck Cargo: Provides coverage for the freight you are hauling, including the costs of recovery and clean up, in the event the property is damaged, lost or stolen. TIP – if you haul perishables, ask for refer breakdown coverage.

What Can We Do for You?

If you need insurance for your trucking business, from a fleet of tractors, trucks and trailers to a single unit, we can help you find practical solutions. We get your business on the road and off to work so you can keep on trucking!

Contact us today at 413-592-8118 or email us at info@faiagency.com.