Frequently Asked Questions

We offer a range of Commercial truck  insurance options including local, 12 western, and 48 States.

The amount of commercial insurance you need will depend on your contracts. Our agents can help you determine the appropriate amount of coverage.

The difference is the amount of coverage. When hauling commercial you generally need $1 million Auto Liability, Physical Damage and cargo coverage.

Trucking insurance is a specialized type of coverage designed to protect commercial trucks, their drivers, and the cargo they carry. It includes various policies such as primary liability, cargo insurance, and physical damage coverage.

Trucking insurance is mandated to protect against the significant financial risks associated with operating commercial trucks. It ensures that in the event of an accident or loss, the parties involved, including the truck owner, driver, and cargo owner, are financially protected.

Primary liability insurance covers damage or injuries caused to others in an accident where the truck driver is at fault. It's a fundamental and mandatory coverage for all trucking operations.

Cargo insurance is essential for trucking operations that transport goods. It protects the value of the cargo against damage, theft, or loss during transit.

Non-Trucking Liability Insurance, or bobtail insurance, covers the truck when it is not hauling a trailer or cargo and not under dispatch. Primary liability insurance covers the truck during business use.

ICC Authority (Interstate Commerce Commission Authority) is federal permission required for motor carriers operating across state lines. It is crucial for legal interstate commerce operations.

Lowering trucking insurance costs involves implementing safety measures, investing in driver training programs, embracing technology like telematics, and shopping around for the best rates. Risk management and a clean claims history also contribute to potential cost savings.