Insurance for Truckers
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What Insurance Do Commercial Truck Drivers Need?
Trailer Interchange Insurance, offered under the truckers' or motor carrier's insurance form, addresses the insured's legal responsibility for harm to other people's trailers.
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
Bobtail insurance covers you when operating your trailer vehicle that isn't fitted with a trailer. Bobtail insurance applies if you're involved in an accident that causes property damage or bodily harm. It pays for legal fees, medical bills and settlement costs.
Hired and Non-Owned Auto Insurance protects your small business that hires vehicles or allows employees to borrow company vehicles for business purposes. You're covered for claims of personal injury and property damage if any of your vehicles is involved in an accident.
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
Trucking owner-operators and other motor carriers can purchase Motor Truck Cargo Coverage, a sort of inland marine insurance. Cargo Insurance protects for-hire drivers against loss or damage to the cargo they transport on behalf of others.
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
Non-Trucking Liability Insurance covers you against incidents that occur when using your business truck for personal use, like going to the shops or taking your kid to school. Since you are not driving for business purposes, you won't be covered unless you have Non-Trucking Liability Insurance.
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Frequently Asked Questions
How much does it cost to insure a truck?
The cost of truckers insurance depends on a variety of factors. It is important to note that while most insurance providers do not offer truckers insurance, those that do may need to review your driving record, truck condition and age, types of freight transported, experience and previous claims history. These factors can help determine the cost of your coverage. Truckers insurance is generally quite expensive and can also fluctuate depending on how many trucks you own. For example, if you own one truck, on average you may pay $8,000 a year while someone with two trucks may pay more.
What does Non-Trucking Insurance mean?
Non-trucking insurance also known as bobtail liability is a type of liability coverage for when you use your commercial vehicle for personal use. Non-trucking insurance provides coverage for property damage or bodily injury that may occur to a third party. Additionally, non-trucking insurance covers expenses that may arise from accidents when you are on the road but not on the clock, meaning during your personal time. However, non-trucking insurance doesn't provide liability coverage for business use or when hauling any type of equipment from your truck.
What kind of insurance do I need for a trucking company?
The kind of truckers insurance you need can depend on the size of your trucking company, how many employees you have, where your trucks are parked after business hours and more. Some common types of truckers insurance include: Non-Trucking liability, bobtail liability, physical damage, general liability, cargo insurance, and primary liability which is required for truckers to have in all fifty states and will cover costs associated with individuals injured in accidents you cause on the road. You can select one or all of these insurances or even seek other types of truckers insurance depending on your company’s needs.
Where can I find my DOT number?
You can easily retrieve your DOT number, or submit an application for a new one by visiting the FMCSA site here
If you are requesting a new DOT number ensure to have the following documents with you:
- Employer Identification Number (EIN) or Social Security Number (SSN)
- Dun and Bradstreet Number (if available)
- Company Officers with Titles