Commercial Trucking Insurance From Burton & Company
Here’s a look at some of our top insurance products for the trucking industry.
Primary Auto Liability
Federal regulations require you to have primary auto liability on every one of your trucks, even if they are leased. Also known as trucking liability, this provides you with protection should a third party become injured in an accident caused by your truck. The minimum amount required depends on the nature of the freight.
General liability protects you in incidents that lead to bodily or property damage to another party as a result of regular business activities. For example, it could cover legal and medical bills if a customer is injured after slipping and falling in your office or warehouse. It also covers mistakes in load delivery and drivers’ actions while operating on another person’s premises, such as loading docks or truck stops.
This policy covers commercial truck or trailer repairs due to damage from natural disasters, collision, vandalism or theft. It may also replace a truck that is damaged beyond repair, making it an essential policy for protecting your investment in your fleet.
Uninsured Or Underinsured Motorists
These policies offer protection if another person hits your truck and does not have sufficient liability insurance.
Motor Truck Cargo
This will provide coverage if the cargo of your commercial truck becomes damaged or lost. Premiums are generally charged according to the type of freight. Although it is not required, accidents and delivery mistakes do occur, so it is important to have all the bases covered.
Required by most states, workers compensation insurance pays your employees’ medical costs and lost wages if they experience a work-related illness or injury. It can cover injuries after truck accidents, stress injuries caused by loading cargo, and work-related illnesses stemming from chemical exposure, among other hazards.
Reefer Breakdown Coverage
If your trucking company owns refrigerated trucks, this can cover the costs of spoiled cargo due to a mechanical or refrigeration breakdown, damaged products due to a collision, or lost cargo. Special trip endorsements may be available for common exclusions such as pharmaceuticals and seafood.
This is a type of liability coverage that will cover drivers and trucks when they are driving for the business without carrying a load – for example, if they are traveling between different jobs and get involved in an accident that leads to a lawsuit.
Talk To The Trucking Insurance Professionals
Your trucking company plays an essential role in keeping the economy going, and insurance protects you from the risks involved in this important work. Reach out to Burton & Company to request a quote online or contact us at (888) 652-1325 to discuss your commercial trucking insurance needs today. We’ll review your information and present you with a customized insurance solution with no obligation.