4 Things You Need To Know About Commercial Truck Insurance

07 March 2019

Different coverage features are available for commercial truck owners who wish to protect their vehicles. Commercial truck insurance plans also protect your employees. Remember, personal auto policies won’t cover commercial trucks. Here are four things to know when you’re shopping around for the right commercial truck insurance.

1. Commercial Truck Insurance Coverage:

Coverage for commercial truck insurance plans fall under three categories:

Basic Coverage:

Basic coverage for commercial trucks includes collision and comprehensive protection. Collision insurance covers the cost of the other automobile in an accident wherein you (as the driver of the commercial truck) were at fault. Comprehensive insurance works similarly as collision protection, but this coverage helps cover costs from accidents other than collisions.

Specialized Coverage:

Companies who wish to add additional protection to their truck insurance policies may opt for specialized coverage. One example is cargo insurance wherein the insurance firm can cover the costs for losses or damages to cargo. The total claimable amount depends on the nature and value of the load.

Non-Trucking Coverage:

Individual coverage may not directly relate to commercial trucking but may still be reliable in certain situations. Commercial truck coverage may include bobtail, non-trucking liability, occupational accident, and personal item insurance. Here’s a brief description of non-trucking coverage plans:

Bobtail insurance: Takes effect after the delivery of the package and the vehicle is being driven without cargo.
Non-trucking liability insurance: Applies when the vehicle isn’t transporting cargo with or without a connected trailer.
Occupational accident insurance: It covers the operator for accidental death or dismemberment during truck driving.
Personal item insurance: This coverage covers the full or partial costs of lost or damaged personal items in the commercial truck.

The coverage for the insurance plan can differ depending on the truck. Large vehicles that may be part of the security policy may include:

Tractor trailers or 18-wheelers
Garbage trucks
Tow trucks
Tank trucks
Dump trucks
Automobile haulers
Flatbed trucks
Box trucks

2. The Need for a Commercial Truck Insurance:

Commercial truck businesses may need financial help to protect the company’s assets from burdens caused by particular incidents. A commercial truck insurance plan is ideal if your employees are driving vehicles to make deliveries, run errands, or drive people on behalf of the business. You may need coverage for your commercial truck business if you use your firms’ vehicles to:

Carry equipment
Transport hazardous material
Use, carry, or transport heavy construction equipment
Deliver newspapers
Deliver retail or wholesale products

Most commercial trucking companies will need basic coverage for their insurance plans. Still, there are certain situations wherein there might be a need for additional coverage. Ask your insurance agent if you may need other features for the insurance policy.

3. Getting Commercial Truck Insurance Quotes:

The values concerning commercial truck insurance varies depending on the truck and nature of the business. These factors may make it difficult to gain a side-by-side comparison for different quotes. Work with your insurance agent to break down individual elements to help you achieve the right insurance policy for your trucking company. To get accurate values for your insurance quotes, your agents may ask you:

The full names of the employees driving your trucks
Locations of the truck operations (e.g., construction sites and hard hat areas)
The commonly delivered packages
Annual distance traveled in miles of the trucks

Don’t forget to include the driving records of your employees when showing data to your insurance agent. The pieces of information will help you and your agent gathers quotes hoping to give you value from your insurance policy.

4. Commercial Truck Insurance Premiums and Deductibles:

Premiums for commercial truck insurance policies are payable in advance through monthly payments. Insurance companies may allow policyholders to cancel the plan at any time. Cancellation may not affect the credit score, but you need to pay all the premiums before the date of cancellation takes effect. Also, insurance premiums may be higher if the policyholder or the truck’s driver has a bad driving record.

Remember, insurance companies test the level of risk of policyholders. Hence, drivers with recorded accidents may have to pay higher deductibles than a truck operator with a clean driving record.

Commercial truck insurance policies are essential to trucking businesses regardless of size. Commercial truck coverage joins the top things to consider when starting a small trucking company. All insurance policies help you gain peace of mind. It’s best to resist the temptation to cut coverage hoping to reduce costs. Work with a reliable insurance firm to help you see the coverage you need for your trucks and drivers.

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Ariana Smith

I enjoy writing and I write quality guest posts on topics of my interest and passion. I have been doing this since my college days. My special interests are in health, fitness, food and following the latest trends in these areas. I am an editor at Content Rally.

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As you are probably already well aware, steel that is exposed to water and air regularly can begin to badly rust. If left unchecked, that rust can eat through the metal and cause severe or irrevocable damage. The rusting process occurs only when air and water come into contact with the surface of the steel, creating a reaction referred to as iron oxide. The next time you see the typical orange and brown colored rust, you now know that it is called iron oxide. Thankfully, there are many chemical protectants that can be applied to steel that will prevent it from rusting. In the article below we'll walk you through a list that contains some of the most intriguing of these chemicals. 10 Most Amazing Chemicals to Prevent Rust in Steel 1. Chromium Oxide: This amazing metallic element is the key to making stainless steel so durable. Forged into raw steel, chromium acts as a protector of the otherwise vulnerable metal. When chromium is exposed to air, it reacts by creating chromium oxide. 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They come in a semi-liquid form, allowing the steel to be evenly and thoroughly coated with the substance. Once applied, the epoxy is heat treated until it solidifies and forms a super tough sealed layer over the top of the steel's surface. 5. Acrylic Resin Commonly referred to as a thermoplastic substance comprised primarily out of acrylic acid or methacrylic acid, this semi-liquid substance can be lathered or sprayed on to any steel surface. Once the steel is covered in the acrylic resin, the resin is then heat treated in order to harden and solidify it around the inner steel surface. Once applied and heated, the acrylic resin acts as a long-lasting steel protector that can give any steel surface decades of rust-free life. Acrylic resin isn't particularly toxic and it is generally regarded as being a safe rust-proofing solution. 6. Liquid Zinc Also known as zinc oxide, this powerful metallic element is the key ingredient within galvanized steel. Forged into the steel itself, liquid zinc eventually comes into contact with air. Once exposed to air, a reaction occurs that turns the liquid zinc into zinc oxide. The zinc oxide then spreads out and surrounds the nearby steel. The layer that it forms traps the raw steel elements below its surface, forming a super tough rust-resistant protective layer. The zinc oxide reaction in galvanized steel is very similar to the chromium oxide reaction in stainless steel. 7. Polyester Sealant Grouped into the polymer category, polyester can be purchased in liquid form. Like other anti-rust or rust-proofing solutions, the liquid is sprayed, brushed, wiped, or dipped onto steel garage doors parts. Once it has been thoroughly applied, a handheld heating device is then used to harden the sealant. Once the polyester is dry, it will form a hard protective layer over the surface of your steel garage, protecting it for many years to come. 8. Nylon Sealant Classified as a synthetic polymer, nylon is a great way to seal the surface of the steel. Like many other polymers that we have already mentioned, nylon can be applied to the steel in a liquid form. Once there, it is heat treated and then hardens to form a super durable rust-proofing layer of protection. 9. Tar-Based Solutions These effective but somewhat crude sealant formulas use tar to coat the surface of the steel. The downside to using tar as a steel protector is that it smells, it is not particularly heat resistant, and it is semi-toxic. Tar sealants are usually only used to protect steel in an industrial setting. It would be unusual to use a tar based sealant in a residential setting, especially on a steel garage door. 10. High-Density Wax Coating - Wax is a great way to protect steel parts on a garage door. The wax is typically sprayed on and then it hardens on its own. Wax is known to be completely safe to handle, which is why it is typically recommended as a rustproofing for garage door parts. It can add a protective layer over your steel for many months or even years if it is applied properly. Read Also: Top Tips For Inspecting And Maintaining Your Garage

4 Things You Need To Know About Commercial Truck Insurance

1. Commercial Truck Insurance Coverage:

2. The Need for a Commercial Truck Insurance:

3. Getting Commercial Truck Insurance Quotes:

4. Commercial Truck Insurance Premiums and Deductibles:

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Ariana Smith

I enjoy writing and I write quality guest posts on topics of my interest and passion. I have been doing this since my college days. My special interests are in health, fitness, food and following the latest trends in these areas. I am an editor at Content Rally.

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Will eBikes Save the Planet?

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4 Things You Need To Know About Commercial Truck Insurance

1. Commercial Truck Insurance Coverage:

2. The Need for a Commercial Truck Insurance:

3. Getting Commercial Truck Insurance Quotes:

4. Commercial Truck Insurance Premiums and Deductibles:

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Tags

I enjoy writing and I write quality guest posts on topics of my interest and passion. I have been doing this since my college days. My special interests are in health, fitness, food and following the latest trends in these areas. I am an editor at Content Rally.

Leave a Reply Cancel reply

Popular

Follow Us

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