Truck Driver Insurance

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Professional truck drivers, as a group, drive over 450 billion miles per year, more than doubling the annual mileage from just 25 years ago. Trucking continues to be a growing industry and — with all those miles being driven by owner-operators and trucking companies — it’s important to secure the right types of coverage for your trucking business. Every day has its new risks and every city, town, or country road has its unique perils. With carefully planned coverage, you’ll be protected, no matter where the road takes you.

Truck driver insurance - What kinds of trucks are covered?

Truck driver insurance can cover a wide range of commercial vehicles. If you’re an owner-operator, there may only be one hard-working truck. If you own a growing fleet, there may be several kinds ranging from cargo vans and pickup trucks up to semi-trailer rigs. You might even have a tow truck, utility truck, or a few box trucks in the fleet. Truck driver insurance is designed to be flexible to meet the specific needs of your trucking business, whether big or small but growing.

Which coverages are available for truck drivers?

Your insurance needs will vary depending on the type of truck and how it’s used. A tractor-trailer, for example, has higher minimum liability insurance requirements than a straight truck used for local deliveries. There are also specific coverages that cover those times when you need to run the tractor without a trailer or when you use the truck outside of dispatch.

  • General liability insurance is the core of your truck driver insurance policy and provides coverage for bodily injury to others and damage to the property of others due to a vehicle accident.
  • Physical damage coverage can help make your truck as good as new again if it’s damaged in an accident or due to several other risks, such as fire, theft, glass breakage, or vandalism.
  • Non-trucking liability coverage provides coverage when your truck isn’t under dispatch and used personally.
  • Non-owned trailer liability insurance helps cover mishaps if you’re pulling a trailer that belongs to someone else.
  • Cargo insurance protects the valuable cargo you’re hauling against damage or loss while in transit.
  • Several other types of coverages are also available, ranging from Inland Marine to Workers’ Compensation coverage, and even Health Insurance.

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How much does it cost to insure a truck?

Rates can vary based on claims history, driving record, the number of miles driven, and the types and amount of coverage you choose. The good news is that truck insurance is often more affordable per dollar of coverage as you increase your coverage limits. CoverWallet’s trusted agents can help you select the right types of coverage available from a number of leading commercial truck insurers.

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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