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What Type of Insurance Do Commercial Trucking Businesses Need?

parked vehicles on parking lot near plant field

Commercial truck drivers know better than most the importance of staying safe on the roads. But even when taking the right precautions, it’s not always simple to dodge the unexpected – and the fact that the more you spend behind the wheel, the bigger the chance that something will go wrong.

While you can easily reduce the likelihood of a road accident by limiting the number of hours you drive per day and ensuring that your truck is in good condition, it’s also important that you have coverage for when conditions beyond your control cause trouble. For an owner-operator or small business providing trucking services having commercial trucking insurance is a wise move. However, it does pay to know that your insurance option will vary significantly depending on the type of vehicle your drivers operate on, the products they’re carrying, the experience and the risks incurred.

How Does Commercial Trucking Insurance Work?

Commercial trucking insurance is an essential type of coverage that will protect you from expensive bills should any of your vehicles become involved in an accident. As a driver, you likely know you require auto insurance to stay legal on the road.

It covers circumstances where you use your trucks to transport animals and materials. If your vehicle is being operated for professional and personal use, a commercial insurance truck policy will fill the gaps in your personal auto insurance skips.

These types of policies start with primary liability and then (depending on your trucking needs) builds on with several other coverages. Common commercial trucking insurance coverage includes:

  • Liability Insurance 

As we’ve previously mentioned, depending on the state you live in, you’re required by law to hold this insurance coverage. Each of your vehicles, including leasing units, must carry commercial auto insurance. Liability insurance must protect the driver when a third party becomes injured during an accident.

  • General Liability 

The general liability coverage will protect you if one of your employees causes bodily or property damage from an accident. It covers a driver’s actions who are driving on another individual’s premises, like truck stops or loading docks. General liability also includes load delivery errors.

  • Bobtail Insurance 

This coverage option also referred to as non-trucking liability, is coverage for situations where the truck driver is operating the vehicle for personal reasons or is off dispatch. In circumstances where the owner-operator isn’t covered by the liability coverage, bobtail policy will kick in. However, the bobtail coverage doesn’t protect truckers when they’re pulling a trailer, driving a truck for a business or using the truck to make a profit. To find the bobtail insurance cost that best fits your commercial needs and expectations, visit to compare different quotes online.

  • Physical Damage 

This coverage type will pay for trailer or commercial truck repairs from damage by things such as:

  • Collision
  • Theft
  • Vandalism
  • Natural disaster

What’s more, if your truck becomes damaged beyond repair, Physical Damage coverage will replace it. Both the costs for equipment and truck will determine the premiums.

Lastly, all types of trucking coverage exist for one reason: to make the roads safer and fairer for everyone – not just the trucking companies, but other drivers too. With the right coverage type, You’ll have peace of mind that you’re protecting both your business and others on the road.S

About author

I work for WideInfo and I love writing on my blog every day with huge new information to help my readers. Fashion is my hobby and eating food is my life. Social Media is my blood to connect my family and friends.
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