Mississippi Truck Insurance
MS License #: 15040359
Jackson • Gulfport • Southaven • Biloxi • Hattiesburg
Truck Insurance in Mississippi
Keeping your drivers, trucks, and cargo protected are key considerations for anyone in the trucking industry. There are multiple ways to do that: First, you make sure your drivers are trained properly. Next, you make sure that your fleet of trucks is maintained and in tip-top shape. Then, on every trip, you make sure that your cargo is loaded safely and secured. Finally, you buy insurance to cover everything you can’t guard against.
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 extremely important you find insurance that gives you the right coverage for your needs at the best price possible.
No matter where your trucking itinerary takes you, insurance is necessary, though specifics may vary from state to state. Let’s review why you need Mississippi truck insurance and why you should use an independent insurance agent when covering your assets.
Why do I need Mississippi Trucking 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. Mississippi law sets a minimum level of insurance that depends on what you haul and to where. It would be in your best interest to secure liability insurance even if it wasn’t the law. When the unexpected happens, you don’t want to be left to pay potentially exorbitant damages if you’re sued following an accident.
Physical Damage Coverage
It may not be required by law, but physical damage coverage is equally essential. According to the FMCSA, “the average cost of all large truck crashes is about $91,000 per crash,” or nearly $200,000 when injuries are involved. No matter the cost of damage, physical damage coverage covers you against losses, such as if your truck ends up sidelined for repairs for an extended period of time.
Motor Truck Cargo
For-hire truckers need motor truck cargo insurance to properly cover the products they are hauling. Typically, it is required by the party owning the commodities being transported. This means their losses will be covered if their products are stolen or damaged during transit.
Truckers General Liability
While liability coverage protects drivers when they’re behind the wheel, some accidents occur when the truck is standing still. If you have aspects of your business that aren’t on wheels, such as a warehouse or fulfillment center, you need truckers’ general liability insurance to make sure you’re covered everywhere—off the road and on.
Why Should I use an Independent Insurance Agent?
Find Insurance Programs Specific to Your Needs
Insurance is like a pair of pants: You can buy a pair that is one-size-fits-all and hope for the best, or you can go to a tailor, who can not only customize them to your precise size and measurements but also give you access to a variety of colors and fabrics. And there’s no doubt in the end which approach leaves your bottom end looking the best!
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:
Receive Help 24/7 with our Mobile App
You never know when you’re going to need insurance or show proof of your policy. And we know that accidents are not limited to normal business hours. So, you need 24-hour access, seven days a week. Using the TIS mobile app, we can issue your insurance certificate no matter where you are. Wherever the road may take you, TIS is your constant companion.
Get Assistance with your Mississippi Truck Permits & Filings
As a business, there is no shortage of laws and regulations to keep track of, and any lapse in compliance can set you back—both in fines and in sidelined business operations. That’s why you need an agent who’ll watch over both your permits and your coverage. At TIS, our permit department is knowledgeable in all of the permits and regulations in Mississippi, 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.
As an independent brokerage, TIS has access to nearly every available carrier. 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.
Mississippi Truck Insurance Quote
Here is what Our Happy Customers have to say
Alex is always helpful, informative and quick to respond to any and everything I need. Always an amazing experience dealing with him.Trusty Transportation
I am Jagminder Singh from HR06 Express, Inc. Kelli has assisted and supported me in my entire Commercial Vehicle insurance renewal process. She is very professional, cooperative and has knowledge of the work that she does. She is very helpful. I got very hard time from my previous insurance agent, but Kelli made the process so simple and gave a very reasonable & low price from A++ rated company. I really recommend TIS for your commercial Vehicle Insurance.HR06 Express, Inc.
Gus, Tera and every one of the staff members are Very professional and take care of things quickly!Damien Crawley