Louisiana Truck Insurance
LA License #: 921378
New Orleans • Baton Rogue • Shreveport • Lafayette • Metairie • Lake Charles
Why do I need Louisiana Trucking Insurance?
There’s a lot you do to keep your drivers, trucks, and cargo safe. Drivers attend training. Trucks are well maintained to keep them on the road. And your cargo gets inspected to make sure it’s safe and secure before every trip. Above and beyond that, you buy insurance to cover the things you may or may not be able to control.
Insurance rates may be rising, but so are accidents. The FMCSA reports that in 2018, the “number of large trucks and buses in fatal crashes . . . increased by 48 percent from its low of 3,432 in 2009.” And according to the National Highway Traffic Safety Administration, 11 percent of all motor vehicle deaths in 2019 occurred in large truck crashes. So it’s necessary you find insurance that gives you the overall best value.
Specifics may vary from state to state, but no matter where your trucks may go, insurance is necessary. Let’s review why you need Louisiana truck insurance and why you should use an independent insurance agent when protecting your big rigs.
Louisiana Commercial Truck Insurance
Truck Liability Coverage
Every state requires liability coverage for your trucks. That means that if your trucks are in an accident, the other driver’s injuries or damages are covered. Louisiana law sets a minimum level of insurance that depends on what you haul and to where. For example, if your truck doesn’t cross state lines and is over 18,000 GVW, you are required to acquire an intrastate-only USDOT number and be insured. It is unquestionably in your best interest to obtain the best liability insurance possible. You don’t want to be left on your own, should an accident happen, to pay the bill if you’re sued for damages.
Physical Damage Coverage
It may not be required by law, but physical damage coverage is just as important as liability. According to the FMCSA, “the average cost of all large truck crashes is about $91,000 per crash,” or nearly $200,000 when they involve injuries. Whatever the damage, physical damage coverage protects you from losses, especially if your truck is rendered undrivable.
Motor Truck Cargo
For-hire truckers need motor truck cargo insurance to properly cover the commodities they are hauling. It is generally required by the party who owns the product being transported. This ensures that if the goods are damaged or stolen while in transit, those assets will be covered.
Truckers General Liability
While liability coverage protects your drivers when they’re behind the wheel, some accidents do occur when no one is driving, and the truck is standing still. For example, something may happen to your warehouse or fulfillment center. If you have other aspects of your business that aren’t on wheels, you need truckers’ general liability insurance to make sure you’re covered everywhere—both on the road and off.
Why Should I use a Louisiana Insurance Agent?
Find Insurance Programs Specific to Your Needs
Insurance can be compared to a nice coat: You can buy one that is one-size-fits-all and hope for the best, or you can go to a tailor, who will not only customize a coat to your precise size and measurements but also have access to a variety of colors and fabrics.
At TIS, we specialize in the trucking niche and know how to connect you with the right specialty truck insurance program for whatever you drive, such as the following:
- General freight
- Dry van
- Hot Shots
- Auto Haulers
Instant Certificates of Insurance with our Mobile App
No one knows when they’ll need to show or use their policy. If they did, they probably wouldn’t need a policy in the first place. Accidents are not limited to normal business hours; you need 24-hour access, seven days a week. Using the TIS mobile app, you can issue your certificate of insurance no matter where you are. Wherever the next highway may take you, TIS rides right along with you.
Get Assistance with your Louisiana Truck Permits & Filings
As a business, there is a plethora of laws and regulations you need to keep track of, and any lapse in compliance can set you back—both in fines and in lost or stalled business operations. That’s why you need an agent who’ll watch over both your coverage and your permits. At TIS, our permits department is well versed in all of the permits and regulations in Louisiana, and we are constantly watching the ever-changing system for updates that might trip you up. We ensure our clients have all of the necessary permits and keep you informed of all changes made to laws and regulations.
Commercial Transportation & Truck Insurance in 48 States
TIS offers transportation insurance solutions in states that border Louisiana including Texas, Arkansas and Mississippi. No matter what kind of truck you’re driving, we can partner you with the carrier right for your business. Contact us today to learn more.
Louisiana Truck Insurance Quote
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Rita is absolutely amazing! She's extremely knowledgeable and quick. I'm very pleased with the high level of service, professionalism, and precision. Thanks!!!!!Rory Mitchell
Jennifer Jeffries was an absolute delight. She helped me with all my issues also was very professional over the phone.Zachari C.
I consulted with Rita in getting my DOT number going today and she definitely helped me out by explaining in detail of what it is and what else I need is what else I need she's professional And patient with me she was kind to answer all of my questionsFrank Sanchez