Commercial truck insurance is a type of insurance that protects trucking businesses or businesses that use trucks for the transportation of goods. This insurance also includes coverage options for independent truck drivers. There are many factors and options to consider when it comes to commercial trucking – Entrust Insurance is here to guide you every step of the process.

Types of trucks that can be insured under a commercial trucking policy:

  • Tractors
  • Pick-Up Trucks
  • Tow Trucks
  • Box Trucks
  • Dump Trucks

Here are the types of businesses that need commercial truck insurance:

  • Motor Carriers: This includes trucking companies that own a fleet of vehicles and are responsible for insuring the fleet.
  • Owner/Operators: This includes the individuals that own and operate their own business and vehicles. In some instances the owner leases the vehicle from the motor carrier and in that case the carrier typically insures the vehicle. However the individual will still need coverage in that instance.
  • Private: This type of business uses their own vehicle to transport goods on behalf of an employer.

What Is Commercial Trucking Insurance? – Entrust Insurance Agency – St Clair Shores, MI

Video Transcription

“So as Amazon continues to take over the world, we get a lot of calls from clients who are breaking into the commercial trucking industry, or work for other brokers and are going out on their own and seeing an opportunity to be a business owner. So commercial trucking is a policy that we offer. And there’s some ins and outs that a lot of people don’t understand about that. So, just painting with broad strokes, commercial trucking policy is really a number of policies combined into one, you have standard coverages, like you would see on your auto insurance policy, you have your liability option for physical damage coverage, comprehensive, collision, PIP, medical coverage, under an uninsured motorist, so all the pedigree coverages are offered and available there. In addition, general liability coverage can be added in for almost all of these, especially driving for Amazon, or through the fulfillment centers–they’re required to carry a general liability policy which can be added into that or onto that. And then a third element of that is your cargo insurance so that you have insurance for the cargo that you’re delivering back and forth.”

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