Bucket Truck Insurance

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After every big storm, it’s teams of workers with bucket trucks we have to thank for getting the electrical power back and putting neighborhoods, towns, and cities back in business. While utility work is among the most common uses for bucket or boom trucks, bucket trucks get their nickname, “cherry pickers”, from another common use: harvesting fruit from trees.

Add window washing, animal and fire rescue, tree maintenance, painting, and photography to the long list of uses for bucket trucks. The vast versatility of bucket trucks means that bucket truck insurance packages have to be tailored to the type of business in which the truck is used.

Commercial Auto Insurance for Bucket Trucks

A solid Commercial Auto Insurance Policy is at the heart of every bucket truck insurance package. The primary coverage in a commercial auto policy protects your business against liability related to auto accidents, including bodily injury liability and property damage liability. Physical damage claims for bucket trucks can be more common but liability claims can be more costly, particularly for accidents involving multiple vehicles or accidents that involve injury to others.

Your bucket truck insurance can also provide medical coverage for injuries to your driver and passengers. Medical coverage options vary by state.

Physical Damage Coverage for Bucket Trucks

Your Commercial Truck Insurance policy can also cover physical damage to your bucket truck. Collision coverage can cover the cost of repair if your boom truck is damaged due to a collision with another vehicle or a stationary object. Collision coverage also applies to damage caused by vehicle rollovers and hit-and-runs. Comprehensive coverage can provide coverage for a number of other risks, such as fire, theft, glass breakage, or vandalism.

Bucket trucks face some unique risks, however, such as falling objects or impacts that can damage the boom or cause damage to the truck. These risks can be covered by an endorsement, which is an add-on to your policy that can cover some of the perils that are specific to your business.

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Other Types of Bucket Truck Insurance

If you’ve been in the bucket truck business for a while, you already know that even minor accidents can have additional cost in the form of downtime or damage to onboard equipment.

Your bucket truck insurance policy can also cover:

  • Rental - Your policy can cover the cost of a short-term rental truck.
  • Towing - Expenses for towing can be covered by your policy.
  • Coverage for Accessories - GPS, communications equipment, and specialized equipment can be added to your coverage.

Insuring your truck or your fleet is only part of the puzzle. You’ll need other types of coverage as well to fully protect your business.

These are some of the most common policies purchased along with bucket truck insurance:

  • Commercial General Liability Insurance - CGL Insurance is a must-have for every type of business, covering liability due to injuries to others, property damage, and coverage for personal and advertising injury liability.
  • Commercial Property Insurance - Whether you lease a space or own a shop, Commercial Property Insurance can provide protection for your equipment, buildings, and improvements you’ve made to the space.
  • Workers Compensation Coverage - If you have employees, you’ll need Workers Compensation coverage. CoverWallet can help you comply with state requirements to avoid costly fees and penalties.

Business Insurance

Running a business is challenging enough without having to worry about lawsuits, employee injuries or property damage. Having the right insurance gives you the peace of mind to focus on what matters - running your business.

The coverage you need depends on the type of business you run. A restaurant owner needs to be covered against customers possibly getting food poisoning while an accountant needs to be covered against calculation errors. CoverWallet's intelligent assessment system will identify the insurance you need based on your specific business, get you a policy that fits your budget, and do it all in less time than you think.

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