Auto Liability: Provides protection against legal liability arising out of the ownership, maintenance, or use of any insured automobile– from semi trucks to bobtail.
Bobtail Insurance: Operating a truck without a trailer is commonly known as “bobtailing.” Bobtail insurance covers the tractor anytime it is not attached to a trailer regardless of whether or not the truck is under dispatch.
Umbrella and Excess Coverages: Insurance coverage for the liability of a commercial venture above a specific amount set forth in a basic policy issued by the primary insurer or a self-insurer for losses over a stated amount; or an insured or self-insurer for known or unknown gaps in basic coverages or self-insured retentions.
General Liability: This insurance coverage protects your business for any property damage or bodily injury that might occur, not involving a truck.
Motor Truck Cargo: Covers the motor truck carrier if it is legally liable for the destruction, damage, or other loss of the customer’s property being shipped (lost packages, broken contents, stolen articles, etc.)
Occupational Accident Coverage (OCC/ACC) – An individual health plan to cover the individual. This coverage is commonly purchased by owner operators who are excluded under the worker’s compensation policies.
Non-Owned Trailer Liability: This insurance will protect a trailer when a trucking company pulls a trailer for a different trucking company.
Non-Trucking Liability Insurance: This coverage is similar to bobtail coverage, but will pay for property damage or bodily injury in the event of an accident when the driver/truck is not under dispatch and on personal time. The coverage can apply with or without a trailer and is in the form of an endorsement on a commercial policy.
Physical Damage: Provides protection against loss or damage to your covered vehicle resulting from an accident with another vehicle or object.
Property Insurance: Insurance that protects physical property and equipment against a loss from a covered peril
Terminal Coverage Insurance: This covers freight located at a terminal for a specific period of time in the event of a loss. Similar to warehouse legal coverage
Trailer Interchange Liability: Insurance that covers a trucking company to pull a non-owned trailer when there is an interchange agreement in place.
Warehouse Liability: This type of insurance is designed to cover freight or cargo being stored by the insured warehouse or trucking company in the case where the warehousing company charges a storage fee.
Workers Compensation: This insurance covers employees who experience work-related injuries or illnesses.
