Trucking
Learn more about Insurance Requirements in the Trucking Industry
What we do
Commercial Auto Insurance
Provides coverage for vehicles owned or used by a business, covering damages and liabilities arising from accidents. This includes cars, trucks, vans, and other vehicles used for business purposes.
General Liability Insurance
Protects against claims of bodily injury, property damage, and advertising injury that your business may cause. It's foundational coverage for businesses, covering legal fees, medical payments, and settlements.
Bobtail Insurance
Bobtail insurance offers coverage for your truck when you’re driving without a trailer or while not under dispatch. This type of insurance is crucial for owner-operators who lease their services to others, protecting them during off-duty driving.
Trailer Interchange Insurance
If you're involved in a trailer interchange agreement, this insurance covers physical damage to a non-owned trailer under your custody as part of the agreement.
Workers’ Compensation Insurance
For trucking companies with employees, workers' compensation insurance covers medical expenses, lost wages, and rehabilitation costs for employees injured on the job. In many places, this type of insurance is legally required.
Physical Damage Insurance
Collision Insurance
Collision insurance helps pay for repairs or replacement of your vehicle if it's damaged in an accident with another vehicle or object, such as a fence or a tree, regardless of who is at fault.
Comprehensive Insurance
Comprehensive insurance provides coverage for non-collision-related damage to your vehicle. This includes events such as theft, vandalism, fire, natural disasters, and hitting an animal.
Cargo Insurance
Cargo insurance provides protection for the freight you transport. It covers losses due to cargo damage or theft during transit. Given the value of goods transported, this coverage is essential for safeguarding against financial losses.
Non-Trucking Liability Insurance
Similar to bobtail insurance, non-trucking liability insurance provides coverage when the truck is not being used for business purposes, such as personal use. It fills the gap in coverage not provided by primary liability insurance.
Reefer Breakdown Coverage
For businesses transporting refrigerated goods, this insurance covers losses due to a breakdown of refrigeration equipment, ensuring protection against spoilage of perishable goods.
Occupational Accident Insurance
Occupational Accident Insurance provides benefits to drivers (often owner-operators) who are injured on the job. It covers medical expenses, disability, death benefits, and, in some cases, lost income. This type of insurance is particularly important in jurisdictions where workers' compensation is not mandatory or does not apply to owner-operators. It offers a level of financial protection for injuries sustained in the course of employment, bridging the gap between personal insurance and workers’ compensation.
For those in the trucking industry, the right insurance coverages are not just a regulatory requirement; they're a crucial investment in the safety and sustainability of the business. By understanding and securing the appropriate insurance, including the often-overlooked Occupational Accident Insurance, trucking professionals can mitigate the risks associated with their operations. Ensuring that you, your employees, and your assets are protected allows for peace of mind on the road ahead, knowing that your business is prepared for whatever challenges may arise.
Contact Us
If you have any questions about our services, please fill out the form below, and we will contact you shortly. Alternatively, feel free to give us a call or stop by for a visit – we look forward to seeing you soon!
info@kentfordinsurance.com
(773) 299-8133