Accidents and Collisions

Highways and roads are unpredictable, and accidents can occur due to factors such as weather conditions, driver fatigue, mechanical failures, or other drivers' actions. Insurance policies cover property damage, bodily injury, and legal liabilities arising from such incidents.  

Cargo Theft and Damage

Protecting the goods you transport is crucial. Cargo insurance provides coverage for stolen, lost, or damaged goods while in transit. This ensures that your clients' goods are covered, and your reputation remains intact.  

Liability Risks

Trucking companies face multiple liability risks, including bodily injury, property damage, and environmental damage caused by hazardous materials. Comprehensive liability insurance covers legal fees and settlements, ensuring your business remains financially secure.  

Worker Injuries

The physical nature of the trucking industry means workers are at risk of injuries. Workers' compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs for employees injured on the job.  

Regulatory Compliance

The transportation industry is heavily regulated, and non-compliance can result in hefty fines and operational shutdowns. Insurance policies can include coverage for fines and penalties arising from regulatory breaches.  

Equipment Breakdown

Trucks and transportation equipment are expensive investments. Equipment breakdown insurance covers repair or replacement costs for essential machinery, minimizing downtime and economic loss.  

Physical Damage Insurance

Provides coverage for your vehicles against damage from collisions, theft, vandalism, and natural disasters. This includes both comprehensive and collision coverage.  

Motor Truck Cargo Insurance

Protects the goods you transport, covering losses from theft, damage, or loss during transit. Your policy is customized based on the type of cargo you haul.    

General Liability Insurance

Covers third-party bodily injury, property damage, and personal injury claims not related to vehicle operation. This includes coverage for slip-and-fall accidents at your business premises.  

Workers’ Compensation Insurance

Provides benefits to employees who suffer work-related injuries or illnesses, covering medical expenses, lost wages, and rehabilitation costs. Bobtail Insurance: Offers liability coverage when you are operating your truck without a trailer, ensuring you are protected even when you are not hauling cargo.  

Non-Trucking Liability Insurance

Provides coverage for accidents that occur when you are operating your truck for non-business purposes, such as personal errands.   Trailer Interchange Insurance: Covers physical damage to trailers you do not own while they are in your possession under a trailer interchange agreement.  

Occupational Accident Insurance

An alternative to workers’ compensation for owner-operators, providing coverage for medical expenses, disability, and death benefits resulting from on-the-job accidents.  

Environmental Liability Insurance

Covers cleanup costs and legal fees associated with environmental damage caused by hazardous materials spills.