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Specialized Truck Equipment

Equip Your Business
With Insurance You
Can Depend On

No matter how well you manufacture, distribute, install or repair specialized truck equipment, losses occur. You need insurance from a company that understands your industry and has the experience and proven track record to protect businesses like yours.

All-Lines Solution

The Hartford has that all-lines solution you need. The Specialized Truck Equipment Insurance Program provides coverages especially for manufacturers, distributors, installers and repairers of specialized truck bodies, trailers and equipment, such as:

  • Dry freight trailers
  • Refrigerated trailers
  • Snowplow attachments
  • Dump trucks
  • Refuse trucks
  • Trailer manufacturers
  • Fire trucks & ambulances

Trucks often require body work and repairs. That’s why many of you operate your own auto body shops. With The Specialized Truck Equipment Program (STEP®), we also provide coverage for your Auto Body Shop. That’s because we understand your business and the exposures you face every day.

Specialized Coverage

To meet the unique needs of your industry, STEP offers the following customized coverage features:

  • Customers’ vehicles in your care, custody and control, and vehicles held for sale (protects all of the vehicles on your lot)

  • Dealer plates – optional auto liability protection that covers you if an accident occurs during delivery or pickup while using dealer plates

Property Coverage

Commercial property insurance with our Property Choice® policy features a wide variety of coverages, including:

  • Built-in coverage for business property, equipment breakdown,loss of business income, interruption of utility services, and lossof products at exhibitions

  • Truck Equipment Special Property Insurance Coverage Endorsement (SPICE®) for:

    • Vehicles in your care, custody or control, and vehicles held for sale (protects all of the vehicles on your lot)
    • Employee theft
    • Money and securities
    • Lock re-keying or replacement

General Liability Insurance 

The Hartford’s broad General Liability Choice® policy:

  • Protects against injuries to others that occur at your business

  • Covers you if you are responsible for damage to the property of others

  • Includes coverage for your products or completed operations; for example, if the equipment you installed on a truck malfunctions, this coverage may respond for any resulting physical or bodily injury

Commercial Auto

Our program provides commercial auto coverage for your operation’s vehicles and:

  • Provides non-owned liability coverage when driving a customer’s vehicle

  • Extends protection to your employees while they operate their own autos on the job

  • Includes lease-gap protection

  • Provides physical damage and liability coverage for autos you hire or borrow

Workers' Compensation

As one of the five largest workers’ compensation providers in the nation, The Hartford offers national strength with local claims handling commitment – plus a variety of services to help you control the costs of workplace injuries.

Umbrella Coverage 

Designed to begin where our primary coverage ends, The Hartford’s umbrella coverage provides an added layer of liability protection for added peace of mind. 

To learn more about The Hartford’s specialized truck equipment Insurance program, contact your Hartford agent or call 1-800-533-7824.

Claims Service
Phone: 855-410-1609 (contract #4555)
Fax: 866-499-2529

All coverages and services may not be available for all businesses or in all states. For details on what coverages and services are available to you, contact your agent at The Hartford today.
This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.


Loss Control Services

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Our Loss Control Team is committed to helping you prevent and control loss exposure.

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