Commercial truck insurance can be customized based on the type of vehicle(s) your company owns and operates for business. The different types of commercial vehicles covered under business truck insurance include:
Dump Truck
Dump truck insurance can provide coverage for liability and physical damage for your business. Common types of businesses that may need dump truck insurance are landscapers and construction or material haulers.
Box Truck
If you or your drivers are involved in an accident while driving your company-owned box truck for work,
box truck insurance can help. Box truck insurance provides liability coverage plus other types of
commercial auto insurance coverage.
Tow Truck
If your auto body shop, salvage business or roadside service company owns a tow truck, it’s a good idea to protect your vehicle. With
tow truck insurance, you’ll be protected if an accident causes bodily injury or property damage to a customer or third-party while on the job.
Semitruck
Semitruck insurance financially protects your business if an accident caused by you or one of your drivers causes injury or property damage to others.
The standard semitruck insurance policy typically includes liability coverage. This helps protect your business from costly claims if one of your truck drivers causes property damage or bodily injury to someone else while driving a company-owned semitruck. Whether you lease your semitruck to a motor carrier, own a fleet with for-hire drivers or operate under your own authority, it’s crucial to be protected while out on the road.
Tractor Trailer
Tractor trailer insurance can help cover the costs from liability claims if you or one of your employees gets into an accident while driving your company-owned tractor trailer.
Businesses who use tractor trailers may consider the following coverage options for their tractor insurance policy:
- Motor truck general liability insurance: This type of insurance helps pay for the other driver’s medical expenses if you or your employees cause an accident while operating the truck. It also helps cover claims alleging that you or your employees damaged someone else’s property.
- Motor truck cargo: This coverage helps protect any materials that are being transported in a tractor trailer from a covered loss, like theft.
- Non-trucking liability: This type of trucking insurance helps cover your motor carrier when you drive it for non-business related purposes.
- Trailer interchange: If you pull a trailer for another company under a trailer interchange agreement, this insurance helps cover physical damages that may happen to the truck.
- Bobtail insurance: This coverage helps protect your vehicle when you or an employed truck driver are driving it without the attached trailer.
- Refrigeration breakdown coverage: If you haul perishable items, this type of insurance helps cover your load in case the truck’s refrigeration system malfunctions.
- Rental reimbursement with downtime: If you’re involved in an accident and not able to operate your truck until it’s repaired, this coverage helps reimburse you for the costs to rent another vehicle.
