FAQs for Commercial Truck Insurance

Bobtail Insurance

Q:  What is Bobtail Insurance?commercialinsurancetruck_FAQ_01
A:  Also sometimes referred to as Non-Trucking Insurance, Bobtail Insurance is an essential part of a commercial trucking insurance policy for independent owner/operators. This type of insurance covers you for liability during the times your rig is being used while not actively being commissioned by a trucking company.

Q:  Will Bobtail Insurance cover damage to my truck?
A:  No, Bobtail Insurance is liability only. To protect your equipment from damages, you will need to purchase Comprehensive Insurance, Trailer Insurance, and Cargo Insurance—many times grouped together as a Physical Damage policy.

Q:  Is there a difference between Bobtail Insurance and Non-Trucking Insurance?
A:  Yes, there is a difference. Non-Trucking Liability Insurance protects the owner/operator from any liability claims in the case of an accident when the vehicle is not being used for business purposes, and whether there’s a trailer in tow or not.
Bobtail Liability Insurance—a.k.a. Deadhead Insurance—is a commercial vehicle insurance that covers a truck without a trailer in tow while traveling, regardless of whether the truck is used for personal or business use.

Call our office now for more information on policies and how we can help you get the right level of protection!

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Cargo Insurance

Q:  What does Cargo Insurance Cover?commercialinsurancetruck_FAQ_02
A:
 Cargo Insurance covers the motor carrier if it is legally liable for the destruction, damage, or other loss of the property being shipped. It does not cover the trailer, however, and may not cover all types of cargo.

Q:  What types of cargo are there?
A:  Specific policies exist to cover the various types of cargo that can be shipped. Dump trucks carry one type; fuel tankers carry another. If cargo is hazardous, you may be required by law to have Cargo Insurance for that load. Also available is coverage for tow trucks, freight and refrigeration.

Q:  Are there any exclusions?
A:  There can be. Discussing this with your agent is extremely important. Due to the fact that the value of loads can change drastically from one haul to the next, it is imperative to have the right coverage.
Common exclusions are loss of load due to leaving the cargo unattended or theft by a company employee.

Call our office now for more information on policies and how we can help you get the right level of protection!

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Collision Insurance

Q:  Do I need Collision Insurance?commercialinsurancetruck_FAQ_03
A:
 That is something you and your agent need to discuss. If you want to protect your truck from collisions with other vehicles or objects, then you should definitely choose Collision Insurance. If your vehicle is leased, or you have a loan on it, you likely are required to have Collision Insurance.

Q:  Is Collision Insurance covered under Comprehensive Insurance?
A:  No, they are separate policies. They are complimentary and are many times part of the same package, referred to as Physical Damage Insurance.

Q:  Can you give an example of Collision Insurance Coverage?
A:  You are driving down the street and rear-end the car in front of you. Your Primary Liability Insurance will pay for the damage to the other vehicle and your Collision Insurance will pay for the damage to your own
vehicle because this was an accident in which you collided with another vehicle.

Call our office now for more information on policies and how we can help you get the right level of protection!

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Comprehensive Insurance

Q:  What does Comprehensive Insurance cover?commercialinsurancetruck_FAQ_04
A:
 Comprehensive Insurance protects your truck if it is damaged from something other than a collision with another vehicle or object. This insurance pays to repair or replace your vehicle if it is damaged by:

  • Fire
  • Vandalism
  • Theft
  • Wind
  • Collision with animal (not considered part of Collision Insurance)
  • Breakage of glass
  • And more…

Q:  Do I need Comprehensive Insurance?
A:  That is something you and your agent need to discuss. If you want to protect your truck from almost everything other than a collision, then you should definitely choose Comprehensive Insurance. If your vehicle is leased, or you have a loan on it, you likely are required to have Comprehensive Insurance.

Q:  Can you give an example of Comprehensive Insurance Coverage?
A:  You come out from a truck stop and realize your truck has been stolen.
Because your loss is due to an incident and not a collision, your Comprehensive Insurance has you covered. You would pay any deductible you may have and the policy will provide the rest up to the actual cash value of the truck, or a stated amount of value you may have submitted when purchasing the policy.

Call our office now for more information on policies and how we can help you get the right level of protection!

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General Liability Insurance

Q:  What is the difference between General Liability and Primary Liability Insurance?commercialinsurancetruck_FAQ_05
A:
 Primary Liability covers damage done to other people or property resulting from use of your truck.
General Liability protects your business from lawsuit and litigation resulting from damages caused by your business’ daily operations.

Q:  Does General Liability Insurance cover my losses?
A:  No, this policy is for liability only. It is intended to protect other people and property. With this policy your trucking business is protected from: people injuring themselves on your property or equipment, actions of drivers while representing your company on the premises of others, loading docks, truck stops, etc.

Q:  Can you give an example of a General Liability Insurance claim?
A:  You deliver a load of colored pellets to a company and put them in the wrong bin. When the bin is run
through a machine, the wrong color pellets destroy the line of product.

Call our office now for more information on policies and how we can help you get the right level of protection!

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Primary Liability Insurance

Q:  Do I need Primary Liability Insurance?commercialinsurancetruck_FAQ_06
A:
 In most cases, Primary Liability Insurance is required by law. Each state sets laws regarding the minimum limit requirements of the policy.

Q:  Does Primary Liability Insurance cover my losses?
A:  No, this policy is for liability only. It is intended to protect other people and property. Primary Liability Insurance is the basic insurance coverage that covers injuries or damage to other people or property if you’re at fault for an accident.

Q:  What is the difference between Primary Liability and General Liability Insurance?
A:  General Liability Insurance covers your business in the event of damage being caused by day-day-operations and if your company is taken to court for any kind of liability.
Primary Liability Insurance covers the damages to people or property caused directly by your truck/s.
If you cause an accident that injures or even kills another person, the bodily injury portion of your Primary Liability Insurance will pay for the related expenses.
If you’re the cause of an accident that damages another person’s property, the property damage portion of your Primary Liability Insurance pays for those related expenses.

Call our office now for more information on policies and how we can help you get the right level of protection!

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Trailer Interchange Insurance

Q:  What does Trailer Interchange Insurance cover?commercialinsurancetruck_FAQ_07
A:
 Trailer Interchange Insurance is essentially a physical damage insurance policy to cover damage or loss to trailers that are not owned by you. You are protected in the event of a non-owned trailer being damaged by collision, fire, explosion, theft, or vandalism.

Q:  Do I need Trailer Interchange Insurance coverage?
A:  If you have a trailer interchange agreement, you need Trailer Interchange Insurance to protect you while you’re in possession of a container or trailer that you don’t own. Typically, the trucker in possession of the trailer is responsible for paying any damages that are incurred while they have the trailer.

Q:  How would Trailer Interchange Insurance work?
A:  You’re hauling an exchanged trailer and after going in for a bite to eat, you come out to find that your
truck and trailer have been stolen. Since you don’t own the trailer, your Comprehensive Insurance won’t
pay for the trailer. This is where Trailer Interchange Insurance protects you.

Call our office now for more information on policies and how we can help you get the right level of protection!

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General Questions

Q:  Am I covered if I travel over state lines?commercialinsurancetruck_FAQ_08
A: 
Yes, coverage travels with you state-to-state.

Q:  What determines the limits of my primary liability coverage?
A:  Premiums for Primary Liability coverage are determined by several factors including:

  • Driving Record
  • Garage Location
  • Limit of Liability Coverage Desired
  • Type of Operation
  • Condition and age of equipment

Call our office now for more information on policies and how we can help you get the right level of protection!

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