Driven to Protect Your Company, So You Can Keep On Driving.
Why do i need Truck insurance?
The Insurance Store is one of the fastest growing truck insurance agencies in the nation. Our independent agency services over 11,000 trucking companies across the nation and has access to exclusive and semi-exclusive commercial truck insurance markets in 48 states. Whether you are a new venture, a seasoned owner-operator, or run a large trucking fleet, we can help you find the most affordable and best insurance coverage for your trucking business. With 50 years of experience in the commercial truck insurance industry, our team has the expertise, knowledge, and resources to help keep your trucking business moving. We also have our own trucking permits department to help you stay compliant with your filings.
All truckers must carry auto liability insurance on every rig they operate. Auto liability insurance puts safeguards into a place that helps shield you and others against unforeseen circumstances. Accidents, injuries or property damage can all occur while operating your truck. Due to their larger size and weight, commercial trucks typically involve much more injury and damage compared to car accidents. It can also pay for your legal defense should you be sued by someone following an accident.
Physical damage provides coverage for your truck due to losses such as collisions, fire, theft, or vandalism. Because these can potentially put your truck out of operation, it is important to consider Physical Damage coverage. Although this coverage is not required by state law, it is often necessary to have physical damage because a lienholder will require it if your truck is financed. It is essential to insure your truck for fair market value to ensure proper compensation in the case of a loss.
Motor Truck Cargo
When transporting items for someone, you are taking responsibility for those goods while they are in your possession. Whether the cargo is damaged in a collision, by a fire, or accidentally dumped onto a highway, the related costs can be incredibly expensive. Cargo insurance protects you from liabilities that come with the risk of transporting goods for others.
Trailer Interchange insurance offers coverage for non-owned trailers that are being pulled under a trailer interchange agreement. While this agreement allows motor carriers to pull non-owned trailers, it also makes them responsible for any physical damage caused to the trailer while it’s in their possession. It covers the trailer against any losses that might occur while in your possession, such as collision damage, theft of trailer, fire and vandalism damages.
Excess and umbrella insurance are two different types of coverage that cover any holes between policies and increase the insurance limits of your primary liability policy. This coverage may be required by FMCSA regulations or contractual demands of a shipper, or it may simply provide higher limits, enabling your trucking company to be more adequately insured. Although the intention of excess or umbrella policies is to cover gaps in your truckers primary liability policy, some policies may not cover key risks in your operation. Be sure to read the policy details carefully.
Non-Trucking & Bobtail
Non-Trucking liability provides limited liability coverage when using your truck for personal use. If you are under permanent lease to a motor carrier that provides your primary liability coverage, then you may consider looking into getting Non-Trucking Liability (NTL) coverage for the times you are not working. This type of coverage is for when using your truck for a non-business purposes such as running errands or driving around town on your day off.
Bobtail insurance covers the truck whenever it is not attached to a trailer regardless of whether the truck is under dispatch or not. For example, after dropping off your load and trailer, you may have a collision while in transit to your next location.
Truck Insurance available in 48 states
Frequently Asked Questions
why choose The Insurance Store
Commercial truck insurance has been our focus since our beginning, so we understand the insurance needs of truckers. Making it easy for you to get affordable, high-quality insurance is our top priority. Whether you’re looking for owner operator, motor carrier, or private carrier insurance, our agency offers solutions that fit you and your business. Helping truckers understand their options and getting them the proper insurance coverage is our top priority.