Commercial insurance for trucks can help cover the cost of a vehicle accident that occurs while you or an employee operates a company-owned truck for work. This coverage is a type of el seguro comercial para automóviles
designed for trucks used for business purposes. Commercial truck insurance helps protect your small business against claims of property damage and medical expenses – even if it’s a fatal accident.
What Is Truck Liability Insurance?
If your business owns and operates any cars or trucks, you will need to have liability insurance to help cover costs resulting from an accident. This insurance coverage helps cover trucking risks like bodily injury or property damage that you or your employee cause while operating a company-owned truck for business purposes. Truck liability insurance gives business owners peace of mind knowing that your drivers are protected while they’re on the road.
How Does Commercial Truck Insurance Work?
This coverage offers financial protection against different risks associated with operating commercial trucks and business vehicles. Whether you’re distributing product to stores or transporting supplies from your warehouse, it’s important to make sure you’re covered if an accident happens.
A commercial truck insurance policy has coverage limits that outline coverage amounts for claims within those limits. Policyholders pay their premium monthly or annually for commercial truck insurance coverage.
Types of Vehicles Covered
Commercial truck insurance can be customized based on the type of vehicle(s) your company owns and operates for business. The different types of commercial vehicles covered under business truck insurance include:
Dump truck insurance
can provide coverage for liability and physical damage for your business. Common types of businesses who may need dump truck insurance are landscapers, construction, and material haulers.
If you or your drivers are involved in an accident while driving your company-owned box truck for work, box truck insurance
can help. Box truck insurance provides liability coverage plus other types commercial auto insurance coverage.
If your auto body shop, salvage business or roadside service company owns a tow truck, it’s a good idea to protect your vehicle. With tow truck insurance
, you will be protected if an accident causes bodily injury or property damage to a customer or third-party while on the job.
Semi truck insurance
financially protects your business if an accident caused by you or one of your drivers causes injury or property damage to others.
Tractor trailer insurance
can help cover the costs from liability claims if you or one of your employees gets into an accident while driving your company-owned tractor trailer.
How Much Does Business Truck Insurance Cost?
What you pay for commercial truck insurance will often vary because some factors may have more influence on costs than others. Insurance companies use different factors to calculate the cost for business truck insurance, including:
- Truck type
- Cargo type
- Operating radius
- Historial de manejo
- Coverage requirements
- USDOT authority
How To Save on Truck Commercial Insurance
Anyone who operates a truck knows that the industry can be expensive given the risks that come with the job. There are a few things you can do to help save money when buying commercial truck insurance, like:
- Monitoring your employees driving records
- Adjusting your coverages
- Having a truck fleet
- Hiring safe drivers
- Implementing risk management policies
- Paying your insurance in full at renewal
Get a Commercial Truck Insurance Quote
We understand the unique risks that truck drivers face when out on the road. Protecting your business and your drivers while you get to where you need to be is important. Find coverage you can count and get a commercial truck insurance quote
through our partner, Tivly.
Última actualización: 8 de septiembre de 2023
Divulgaciones adicionales a continuación.