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Truck cargo insurance protects the goods you transport. Your vehicle and belongings are fully insured against loss or damage due to an accident or fire.

Abuse of the body

Damages caused by collisions are covered under this policy.

All-inclusive: Protects against lawsuits apart from crashes.

Drivers Without Insurance

If you are in a collision with a driver who does not have insurance, your repair expenses and medical claims will be covered under uninsured/underinsured motorists coverage. There is a risk that an uninsured motorist may cause damage to one of your vehicles and leave you on the hook for the costs. Underinsured motorist coverage helps you pay for any costs not covered by the other driver's policy.

Trucking Company's HazMat Insurance

Trucking businesses may need to transport harmful products for their clients. Let's say an accident occurs with a vehicle carrying hazardous materials. The standard auto insurance policy covers property damage and bodily injury claims. However, it won't cover the costs of fixing anything the dangerous materials broke. Companies that often carry dangerous products should invest in Hazmat coverage.

Insurance for Transporting Livestock

Livestock hauling is a standard employment requirement for truck drivers. This endorsement covers damage to the cattle during transit. Livestock transporting insurance might help compensate you if any of your sheep are lost or die in transit.

Commercial Truck Insurance Coverage for Trailer Swapping

You may need to pull a trailer for another vehicle at some point. Your regular insurance won't cover the other truck's cargo if damaged. If the trailer is destroyed while in your ownership, an exchange coverage will assist in covering the costs.

Depreciation Restriction

If your car is deemed a complete loss after an accident, restricted depreciation coverage might help you pay for a new one.

Commercial Trucks Can Get Insurance for Other Purposes

Your standard commercial truck insurance policy has your back when you're on the clock. Drivers who use their vehicles for personal reasons are protected by non-trucking insurance coverage. This ensures that drivers and their vehicles are protected at all times.

Cost-of-Housing Allowance

Let's say an accident destroys your vehicle. You and your customer now have an undeliverable package. Truck rental fees in such an emergency may be covered under a rental reimbursement policy. It can also prevent logistics from getting in the way.

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