Things to Consider About Commercial Truck Insurance

Commercial Truck Insurance

If you own a business, you need to make sure you are prepared for things to go wrong. Trucking businesses are no exception. People and property are potentially at risk of being damaged by your trucks and you need to have commercial truck insurance to ensure you don’t have to pay out of pocket for any damages.

What Does Commercial Truck Insurance Cover?

This type of insurance covers you in a variety of different situations. One example is bodily injury. If someone is injured by your truck, commercial truck insurance will cover their medical bills and any potential lawsuit costs. You are also covered in situations where you damage someone’s property. Additionally, if your driver causes damage to property at a delivery location, the damage will be covered by the commercial truck insurance.

What is Not Covered By Commercial Truck Insurance?

Unfortunately, commercial truck insurance doesn’t cover everything. Injuries to your drivers are generally not covered, nor is damage to your trucks. A general liability commercial truck insurance policy covers damage to others and their property, not your workers or trucks. Additionally, there are some vehicles that cannot be covered under commercial truck insurance. These vehicles are:

  • Cement trucks
  • Buses
  • Ice cream trucks
  • Hearses
  • Limos

As the owner of a trucking business, you need to cover your bases. Get ahead of any potential issues and protect your business by purchasing commercial truck insurance today!