Tractor Trailer Insurance

Insuring a Commercial Tractor Trailer

If your company uses tractor trailers for business, it’s important to safeguard your vehicles with the right el seguro comercial para automóviles coverage. Whether you’re an owner-operator, private carrier or motor carrier, tractor trailer insurance can help you and your employees stay protected while out on the road.

While The Hartford does not offer commercial tractor trailer insurance at this time, we’ve partnered with Tivly to help you get the coverage you’re looking for.

What Kind of Insurance Do Tractor Trailers Need?

Businesses who use tractor trailers may consider the following coverage options for their tractor insurance policy:

Motor truck general liability insurance: This type of insurance helps pay for the other driver’s medical expenses if you or an employee causes an accident while operating the truck. It also helps cover claims alleging that you or one of your employees damaged someone else’s property.
Motor Truck Cargo: This coverage helps protect any materials that are being transported in a tractor trailer from a covered loss, like theft.
Non-Trucking Liability: This type of trucking insurance helps cover your motor carrier when you drive it for non-business related purposes.
Trailer interchange: If you pull a trailer for another company under a trailer interchange agreement, this insurance helps cover physical damages that may happen to the truck.
Bobtail insurance: This coverage helps protect your vehicle when you or an employed truck driver are driving it without the attached trailer.
Refrigeration breakdown coverage: If you haul perishable items, this type of insurance helps cover your load in case the truck’s refrigeration system malfunctions.
Rental Reimbursement with Downtime: If you’re involved in an accident and not able to operate your truck until it’s repaired, this coverage helps reimburse you for the costs to rent another vehicle.

How Much Does Tractor Trailer Insurance Cost?

Insurance companies take several factors into account when determining tractor trailer insurance costs. The price you pay for commercial truck insurance coverage can be influenced by your:

Lugar
Type of load
Employees’ driving records
Type of truck

There are also ways to save on your tractor trailer insurance cost. For example, maintaining clean driving records could help lower your premium.

Who Needs Insurance for a Tractor Trailer?

The types of individuals or trucking companies that may consider having commercial vehicle coverage for their tractor trailer include:

Owner operators: If you own a trucking company, tractor trailer insurance can help protect your business.
Motor carriers: For-hire motor carriers can stay protected with commercial truck insurance.
Private carriers: If your business transports its own cargo, tractor trailer insurance can help cover you while you’re out on the road.

Get a Tractor Trailer Insurance Quote

We know that tractor trailer drivers face unique risks while out on the road. That’s why it’s important to make sure that your business is protected for the long haul. Find coverage you can count on and get a tractor trailer insurance quote through our partner, Tivly.

Additional Types of Commercial Truck Insurance

If you operate other types of trucks for business, more insurance coverages that can help you stay protected include:

Semi Truck Insurance: This insurance helps cover semi trucks and the loads they haul.
Box Truck Insurance: This coverage is designed to protect box or straight trucks used for business.
Dump Truck Insurance: If you use dump trucks to transport materials like dirt, sand or gravel, this insurance can help you stay protected.
Tow Truck Insurance: This coverage protects any company-owned tow trucks and the vehicles they transport.

Última actualización: 8 de septiembre de 2023

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