Rhode Island Truck Insurance

RI License #: 3001638001


Cranston | Pawtucket | Providence | Warwick

Rhode Island Commercial Truck Insurance

Trucking plays an important role in Rhode Island's economy. The trucking industry transports many of the goods that come in and out of the Ocean State. With quick access to interstate highways like I-95 and I-195, as well as major seaports, Rhode Island is well-positioned as a distribution and logistics hub.

As a small state though, Rhode Island imposes strict regulations on trucks to protect infrastructure and promote public safety. All commercial trucks and truck drivers operating in Rhode Island must comply with standards and requirements on vehicle dimensions, cargo securement, hours of service, and more. Strict enforcement aims to minimize accidents and damage to roads and bridges.

Choosing the right truck insurance is crucial for motor carriers based in or traveling through Rhode Island. At The Insurance Store, we understand Rhode Island's unique trucking climate. We help you find the right Rhode Island truck insurance to meet regulations, protect your assets, and avoid risks that could cripple your business.

Understanding Rhode Island Trucking Insurance Coverages

  • Auto Liability

    Commercial auto liability insurance is required for trucks and trucking companies operating in Rhode Island. This type of insurance protects truckers if they cause damage or injuries to others in an at-fault accident. For example, if a Rhode Island-based trucking company's driver rear-ends another vehicle, resulting in injuries to the other driver, that trucking company's auto liability insurance would pay for the injuries and vehicle damage they caused, up to the policy limits. Having enough coverage is important - $750,000 to $1 million per accident is common for trucks - since medical treatment, lost wages for injuries, and repairs to other damaged vehicles and property can quickly exceed lower policy amounts after a serious crash. Following state regulations and carrying proper commercial auto liability insurance protects truckers and companies from potentially crippling out-of-pocket accident costs.

  • Physical Damage

    In addition to liability coverage, Rhode Island truckers need physical damage coverage - sometimes called collision or comprehensive coverage. This protects your own truck and equipment if they are damaged in incidents like an accident you cause, highway debris strikes to glass or lights, or damage as a result of weather events like hail or flooding while parked. For example, if a Rhode Island trucker accidentally sideswipes a guard rail and damages his truck's side panels, his insurance's physical damage coverage would pay to have those panels repaired or replaced, minus his deductible. Or, if a part falls off another vehicle on the highway and cracks your windshield, physical damage coverage pays to have that glass fixed or replaced. Having enough limits to fully replace your truck and equipment is key, so you avoid major out-of-pocket costs if your vehicle or property is damaged.

  • Motor Truck Cargo

    Motor truck cargo coverage, sometimes called cargo or freight insurance, is important for Rhode Island truckers and trucking companies hauling loads for customers. It protects you financially if the customer's goods are damaged, spoiled, or stolen while in transit in your truck. For example, if a Rhode Island trucker is hauling a shipment of electronics when his truck overturns in an accident, his cargo insurance would pay the electronics company for the value of the damaged goods, preventing the trucker from taking that potentially business-ending loss. Having enough cargo coverage limits to match the full value of your priciest customer loads is vital. This coverage helps truckers or companies avoid paying thousands of dollars out-of-pocket if high-value cargo gets impaired or stolen.

  • Reefer Breakdown

    Reefer breakdown coverage is key for Rhode Island truckers hauling perishable loads in refrigerated trailers. This insures truckers for spoiled cargo losses if their reefer unit unexpectedly breaks down or becomes disabled during transit. For example, if a trucker is hauling a full reefer load of produce and his refrigeration unit quits working for 8 hours without warning due to an electrical issue, causing $15,000 worth of ruined cargo, reefer breakdown coverage would reimburse the trucker for the value of the spoiled freight. This prevents the trucker from taking an incredibly costly loss through no direct fault of their own. Protecting against financial impacts when mechanical failures happen allows truckers to transport refrigerated loads with greater confidence.

  • Non-Owned and Trailer Interchange

    Using someone else's trailer? This is your safety net. Obtaining non-owned trailer and trailer interchange insurance is highly advised for trucking companies in Rhode Island that operate equipment not owned by their fleet. This policy pays for damage to trailers you don’t own if they are involved in an accident while in your use. For example, if you are pulling a rented trailer through an interchange agreement and it overturns on a winding coastal road, destroying the trailer, this coverage would pay for repairs or replacement, so you avoid liability. Without it, you could be held responsible for reimbursing the full value of the destroyed equipment. This affordable specialty protection allows Rhode Island truckers to mitigate financial risk when utilizing equipment not under their ownership. It's essential for leased, rented and borrowed trailers.

  • Non-Trucking Liability

    Non-trucking liability coverage, often called deadhead or bobtail insurance, protects Rhode Island truckers when driving their truck without a loaded trailer attached. For instance, if a trucker gets in an at-fault accident driving empty back to their home terminal and causes vehicle damage or injuries to others, their regular trucking policy may not respond. However, non-trucking liability insurance would pay out in this scenario. Without this coverage, the trucker is personally responsible for damages and injury claims from the wreck, which may exceed hundreds of thousands of dollars. Having adequate non-trucking liability limits prevents financially crushing situations for truckers driving "bobtail" for repairs, as a relief driver, commuting, or repositioning empty to their next loaded pickup spot. This coverage bridges gaps from standard policies that help keep truckers protected both on and off the job.

  • Excess Liability

    Excess liability, also called umbrella insurance, provides vital additional protection for Rhode Island truckers above and beyond their primary liability policy limits. For example, if a trucker causes a serious accident that injures multiple parties or does major property damage, injury and repair costs from the wreck can readily exceed $1 million. If that trucker only carried $750,000 in primary liability coverage, they would be personally responsible for all claim costs above that amount. Excess liability coverage kicks in to cover what primary policies do not, up to the excess liability limit amount purchased. Carrying excess coverage limits like $1 million to $5 million allows truckers to avoid paying potentially massive settlements or verdicts out-of-pocket if they are liable for catastrophic accidents above their primary policy’s limits. This coverage brings essential financial peace of mind to truckers tasked with safely operating 80,000-lb. vehicles among smaller motorists.

  • Workers Compensation

    Trucking companies operating in Rhode Island are required to carry workers compensation insurance to financially protect their employees if they are injured on the job. For instance, if a Rhode Island truck driver slips and breaks his leg while securing his load, his employer’s workers comp policy would cover all medical treatment needed until he can return to work. It would also pay a portion of his wages while recovering. This ensures truck drivers receive care for occupational injuries without burdening employers with prohibitive costs. Carrying proper workers comp limits prevents drained company finances and trusted driver relationships after accidents.

  • Occupational Accident

    Owner-operator truckers and independent drivers in Rhode Island without employees need occupational accident coverage for themselves. This specialized insurance pays out benefits if a self-employed trucker is hurt on the job, similar to workers compensation. For example, if an independent big rig driver is injured and unable to work for months after falling from his trailer, occupational accident insurance would provide reimbursement for medical bills and lost income during recovery. Without this coverage, serious accidents could instantly eliminate an independent trucker's livelihood. Occupational accident policies offer affordable protection to make sure injuries don’t turn into financial disasters for truckers working for themselves.

  • General Liability

    General liability insurance is important for Rhode Island trucking companies to carry in addition to their commercial auto coverage. While auto liability covers truck accident incidents on the road, general liability protects against other types of property damage or bodily injury claims that could happen from a trucking company’s operations. For instance, if a trucking firm’s employee accidentally knocks over and breaks an expensive piece of equipment at a customer’s warehouse, the trucking company’s general liability coverage would pay for that equipment damage cost. Or if a visitor trips and falls in the truck terminal's office area, a general liability claim would cover any necessary medical bills. This protects the company’s finances from unforeseen incidents that auto policies may not apply to. Carrying adequate general liability limits ensures Rhode Island trucking companies aren’t crippled paying claims outside standard auto accidents.

Why Choose The Insurance Store for Truck Insurance in Rhode Island?

We at The Insurance Store aren't just another insurance agency. We're a family. For 50 years, we've prided ourselves on our commitment to the trucking community. Partnering with A+ rated insurance carriers that specialize in commercial truck insurance, we've got the expertise and the heart to serve you best.

Insurance for Your Operations in Rhode Island

Whether you're hauling timber in flatbeds or transporting goods in dry vans, TIS has got you covered. From tankers to refrigerated trucks, we cater to a diverse array of trucking needs across Rhode Island.

Our truck insurance programs cover rigs of all sizes and specialties:

Instant Certificates of Insurance with the TIS24 App

And speaking of serving you better, have you heard about our TIS24 app? This nifty tool allows truckers to issue their certificates of insurance, snag ID cards, and even access policy documents – anytime, anywhere!

Get Assistance with your Rhode Island Truck Permits & Filings

Let's not forget the red tape. Rhode Island has its share of truck permits and filings, and guess what? We can help with that too! Our permits division, TIS Trucking Services, is dedicated to helping you navigate these tricky waters.

Serving Rhode Island and Beyond!

With the smallest state's big trucking needs, it's essential to partner with the best. Whether you're in Providence or any corner of Rhode Island, TIS is your trusted ally. And hey, if you're in neighboring states like Massachusetts or Connecticut, we've got you covered there too!

Get a Quote for Rhode Island Truck Insurance

Why wait? Dive into a world of hassle-free truck insurance. Dial our friendly team at 888-570-3130 or request a quote. Let's steer your trucking journey to safer shores together!

Rhode Island Insurance Quote

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