Connecticut Truck Insurance
Truck Insurance in Connecticut
Finding the best insurance to protect your drivers and trucks is all part of the bigger picture of keeping safe drivers working and making sure your rigs are in tip-top shape and out on the road. If anything comes up lacking in that equation, you can be sure your profit margin will be adversely affected.
It can be a little daunting sometimes to find the right insurance company and policy for you and your company, especially as insurance rates continue to rise, but it’s completely necessary. According to the FMCSA, in 2018 alone, “5,096 large trucks and buses were involved in fatal crashes,” a 48 percent increase from the low of 3,432 in 2009. There’s really no question as to whether you should be insured or not. Rather, it’s clear you need to research and find the best insurance for your company’s specific needs. Fortunately, we’re here to help you find the best option for your needs and your budget.
No matter where you drive, truck insurance is vital. Every state, however, has its own unique considerations. Let’s look at some of the specifics of Connecticut truck insurance and why you should use an independent insurance agent when protecting your big rigs.
Why do I need Connecticut Trucking Insurance?
Truck Liability Coverage
It’s easy to see why every state requires liability coverage, considering the number of truck accidents. Liability coverage protects against any injuries or damage sustained by the other driver or vehicle involved in an accident. In Connecticut, truck drivers and businesses are required by law to hold a minimum level of liability insurance, determined by what you haul and where. For example, if your truck doesn’t cross state lines and is over 10,000 GVW, you are required to be insured.
Physical Damage Coverage
Accidents involving trucks can get costly quickly, so while physical damage coverage is not required by law, it’s no less essential than liability coverage. According to the FMCSA, “the average cost of all large truck crashes is about $91,000,” and an accident with injuries can run about $200,000 per crash. Those amounts of money are enough to make anyone wake up at night in a cold sweat, but that average cost only increases based on the severity of the accident. Crash costs can even reach millions of dollars if there are fatalities involved. Physical damage coverage protects you from losses, especially when a truck is taken off the road due to repairs.
Motor Truck Cargo
For-hire truckers need motor truck cargo insurance to properly insure the products they are hauling. It is generally required by the party who owns the product that is being transported. It ensures that if their goods are damaged or stolen while in transit, their assets will be covered. Depending on the cargo you’re transporting in your truck, you may need specific endorsements. For example, if you transport refrigerated goods, you will need to make sure you have “reefer breakdown” coverage. This might cover a $50,000 load of frozen food when the reefer unit breaks down on I-95. Of any line of 18-wheeler insurance, the one you need to understand and pay attention to the most is cargo insurance. Some carriers will make a long list of exclusions that specifically exclude coverage for certain events, so pay close attention to what you’re paying for.
Truckers General Liability
This coverage is similar to liability insurance, but it can be a bit more confusing. Here is the simplest way to understand it: Truckers general liability is designed to protect your business from damage that might occur when you are not behind the wheel of your truck. On the other hand, your auto liability coverage would cover your business when you are driving. If you have other aspects of your business—such as a quarry or a consolidation warehouse—you will need a more robust general liability insurance policy that considers exposures outside the realm of trucking.
Why Should I use an Independent Insurance Agent?
Find Insurance Programs Specific to Your Needs
The best thing you can do is find an insurance program that caters to your specific needs rather than searching for a generic policy to try and make adjustments to later. An insurance program customized to your company’s needs will save you both money and time as you will be able to spend effort on driving profit instead of always worrying about finding better insurance. For example, TIS specializes in the trucking niche and provides market access to numerous specialty truck insurance programs, including programs for the following:
- Auto Haulers
- Box Trucks
- Cement Mixers
- Commercial Vans
- Dry Van
- Dump Trucks
- General Freight
- Heavy Haul
- Hot Shots
- Long Haul
- LTL Trucking
- New Ventures
Instant Certificates of Insurance with our Mobile App
You never quite know when you’re going to need insurance. The important thing is having the right insurance when you actually do need it. When the unexpected happens and you need to prove your policy in the middle of the night, the last thing you want is to be waiting for an insurance agent to return your call or get back into the office. This is why TIS is available 24/7 to issue your certificate of insurance through our mobile app. Regardless of where you or your drivers may go, we’re there with you for every mile of the journey.
Get Assistance with your Connecticut Truck Permits & Filings
With so many laws and regulations, compliance can be difficult to follow sometimes—but forgetting to be compliant can be expensive. We know how difficult it can be to keep up with ever-changing regulations and permits, which is why TIS agents are there to ensure you keep all of your permits up to date. Our permit department is comfortable with all things relating to trucking in Connecticut, 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 Connecticut trucking permits and keep you informed of all changes made to laws and regulations in the state.
Commercial Transportation & Trucking Insurance in 48 States
We can also quote your truck insurance in states surrounding Connecticut including New York, Massachusetts and Rhode Island. At TIS, we pride ourselves on being an independent agency that provides unparalleled access to a vast network of carriers. This means that regardless of the type of trucks you operate, we can connect you with the carrier that perfectly suits your business needs.
Connecticut Truck Insurance Quote
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