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The trucking industry is the backbone of our economy, and at West Lake Insurance Agency, we understand the unique risks and challenges that truck drivers and trucking companies face. We’re here to help you find the right commercial truck insurance policy to protect your rigs, your drivers, and your business.
What is Commercial Truck Insurance?
Commercial truck insurance is a specialized type of insurance policy designed to cover trucks used for business purposes. It provides broader coverage than personal auto insurance, addressing the specific needs of the trucking industry, from owner-operators to large fleets. West Lake Insurance Agency can guide you through the complexities of truck insurance and help you choose the right coverage.
Who Needs Commercial Truck Insurance?
Anyone who owns or operates a truck for commercial purposes needs commercial truck insurance. This includes:
- Owner-operators.
- Trucking companies (small, medium, and large).
- Companies that use trucks to transport goods, materials, or equipment.
- Businesses that have employees who drive trucks as part of their job.
Personal auto insurance policies are not adequate for commercial trucks. Operating a commercial truck without the proper insurance can lead to severe financial and legal consequences.
What Types of Trucks are Covered by Commercial Truck Insurance?
Commercial truck insurance policies offered through West Lake Insurance Agency can cover a wide range of trucks, including:
- Tractor-trailers (semi-trucks)
- Dump trucks
- Cargo trucks
- Box trucks
- Flatbed trucks
- Refrigerated trucks (reefers)
- Auto haulers
- Garbage trucks
- Logging trucks
What is Covered Under a Commercial Truck Insurance Policy?
A typical commercial truck insurance policy includes several key coverages:
- Liability Coverage: This covers bodily injury and property damage you or your drivers cause to others in an accident involving your truck. It’s often required by law.
- Physical Damage Coverage (Collision and Comprehensive): Collision covers damage to your truck from accidents, while comprehensive covers damage from other events like theft, fire, vandalism, and natural disasters.
- Motor Truck Cargo Coverage: This covers the goods you’re hauling in your truck in case of damage or loss due to a covered event.
- Trailer Interchange Coverage: This covers damage to trailers that you pull but don’t own.
- Non-Trucking Liability: This provides liability coverage when your truck is being used for personal reasons (not for business).
- Bobtail Insurance: This covers your truck when it’s driven without the trailer attached.
Why Commercial Truck Insurance Is Important
Commercial truck insurance is crucial for protecting your trucking business:
- Financial Protection: It shields your company from potentially massive financial losses due to accidents, cargo damage, lawsuits, and other covered events.
- Legal Compliance: Federal and state regulations require commercial truck drivers and trucking companies to carry specific levels of insurance.
- Peace of Mind: Knowing you have the right coverage allows you to focus on your business without constant worry about potential risks.
Get a Quote from West Lake Insurance Agency
Protect your trucking business and your livelihood. Fill out the form below to get a personalized commercial truck insurance quote from West Lake Insurance Agency. We’ll help you find the right coverage at the right price.
Who we are
Insurance agency you can count on.
West Lake Insurance Agency takes the work out of buying commercial insurance for businesses. We help small business owners and operators find quotes for commercial insurance from preferred insurance companies.
General Questions
Business insurance covers your business against property damage or theft and covers you if you’re sued for negligence or if any of your employees are involved in an accident while using business-owned vehicles. It’s important to ensure you have the correct types of policies, at the right levels, for the business activities you routinely undertake.
Business insurance covers the operations and assets of commercial organizations. There are several kinds of business insurance, such as: Commercial auto insurance, Professional liability, Commercial property insurance, Commercial umbrella insurance.
Browse our site or contact us for information about business insurance to learn everything you need to know to protect your business with the right insurance policy.