Many businesses operate for years without being sued. But if you are sued, the payments requested by the attorneys can be catastrophic.

• Limits up to $1,000,000/$2,000,000

• Truckers General Liability is a crucial part of any commercial trucking insurance portfolio.

• Truckers General Liability coverage can help protect trucking companies against lawsuits and financial damages resulting from accidents or claims of negligence. The policy can also help cover legal defense fees and court costs that may arise from a covered event.

Depending on the specific policy, Truckers General Liability coverage may also include coverage for pollution and environmental damage caused by the trucking company's operations.

Whether you call it commercial automobile, business automobile, truckers’ insurance, or motor carrier insurance, we got you covered.

• Limits up to $2M (CSL)

• State and Federal Filings (Including MCS-90)

• It covers liability for bodily injury and property damage that occurs while driving a company-owned or leased vehicle.

It is important for businesses to review their insurance needs regularly and make sure they have adequate coverage in place to protect themselves and their employees in the event of an accident.

All workers’ compensation policies pay the required benefits to injured workers.

Workers' Compensation aims to provide medical care, wage replacement, and rehabilitation services to employees who get injured or become ill due to their job. It also offers financial compensation for permanent disability or, in the event of an employee's death, benefits to their dependents.

This coverage operates as a no-fault system, meaning that employees can receive benefits regardless of who is responsible for the workplace injury or illness. In exchange for this coverage, employees typically relinquish their right to sue their employer for negligence related to the injury or illness

Most states require employers to carry Workers' Compensation insurance, with varying regulations and exemptions depending on the size of the business, the nature of the work, and the number of employees. It's crucial for employers to comply with their state's Workers' Compensation laws to protect both their employees and their business from potential liabilities.

Whether it’s animals or drivers— these are both things that can damage your vehicle. Let us help cover your costs with physical damage insurance.

Components:

Collision coverage, which covers damages to your vehicle caused by a collision with another vehicle or object, and Comprehensive coverage, which covers damages to your vehicle caused by non-collision events, such as theft, vandalism, natural disasters, or encounters with animals.

Optional Coverage:

Unlike liability insurance, which is required by law in most states, Physical Damage Insurance is usually optional. However, if you have a leased or financed vehicle, your lender may require you to carry both Collision and Comprehensive coverage to protect their investment in the vehicle.

Deductibles and Limits:

Physical Damage Insurance policies often come with deductibles, which represent the amount you have to pay out-of-pocket before the insurance kicks in. Higher deductibles typically result in lower premiums. Additionally, coverage limits are based on the actual cash value of your vehicle, meaning the insurer will only pay up to the current market value of your car, minus the deductible, in the event of a total loss.

Motor truck cargo coverage protects the goods that are being transported in a commercial vehicle. This can include a variety of items, such as merchandise, equipment, and other materials.

This coverage applies to the owner of the commercial vehicle or the carrier who is responsible for the cargo. It can also extend to third parties who may be involved in the transportation process, such as loading and unloading companies.

Without motor truck cargo coverage, the owner of the commercial vehicle could be held liable for any damage or loss of the cargo. This could result in significant financial losses for the business.

Limits up to $250,000

Uninsured and Underinsured Motorist coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damage (UIM coverage).

UM/UIM coverage provides protection if you're in an accident with a driver who doesn't have insurance (uninsured) or doesn't have enough insurance to cover the damages (underinsured). It compensates you for medical expenses, lost wages, and property damage that exceed the at-fault driver's policy limits.

UM/UIM coverage typically has two components - Uninsured Motorist Bodily Injury (UMBI) coverage, which covers medical expenses and lost wages for you and your passengers, and Uninsured Motorist Property Damage (UMPD) coverage, which covers damage to your vehicle and other property.

While not mandatory in all states, many states require drivers to carry some level of UM/UIM coverage. Check your state's requirements to ensure you have adequate coverage and understand the limits and options available in your policy.

Do you drive your truck for non-work purposes? As an owner-operator, protect your livelihood when you’re driving for non-business purposes. Also known as bobtail insurance or deadhead coverage, is a type of commercial trucking insurance that provides coverage in specific circumstances.

This insurance covers truck drivers when they are not engaged in business related activities or under dispatch, such as using their trucks for personal use. It provides liability coverage for accidents that occur during these non-business periods.

Coverage:

Non-trucking liability insurance typically covers bodily injury and property damage to third parties caused by the insured truck driver. It does not cover damages to the truck driver's own vehicle or cargo. It is important to note that this coverage is not a substitute for primary trucking liability insurance, which covers accidents that occur while the driver is engaged in business activities.

Independent owner-operators or leased drivers are often required by their motor carriers to carry non-trucking liability insurance. This ensures that there is coverage for potential accidents that may occur during personal use of the truck, protecting both the driver and the motor carrier from potential liabilities.

This is a type of coverage that offers additional protection beyond the limits of your standard liability policies.

Umbrella/Excess Liability insurance provides an extra layer of financial protection in the event of a major claim or lawsuit that exceeds the limits of your primary liability policies, such as home, auto, or business insurance. This coverage helps safeguard your assets and future earnings from potentially significant losses.

Coverage:

Umbrella/Excess Liability insurance typically covers personal injury, property damage, and certain legal defense costs not covered by your primary policies. It can also cover situations that may not be included in your standard liability policies, such as libel, slander, and false imprisonment. However, it does not cover damages caused by intentional or criminal acts.

Policy Limits:

Umbrella/Excess Liability policies usually start at $1 million in coverage and can go up to several million dollars, depending on your needs and risk exposure. They are designed to kick in once the limits of your underlying policies have been exhausted, ensuring that you have sufficient coverage in the event of a significant claim or lawsuit.

Type of coverage specifically designed for the trucking and transportation industry.

Trailer Interchange insurance provides coverage for physical damage to non owned trailers while they are in the insured's possession under a trailer interchange agreement. These agreements allow trucking companies to exchange trailers in order to streamline transportation and improve efficiency without having to transfer the cargo between trailers.

Coverage:

This insurance typically covers damages to the non-owned trailer caused by events such as collision, theft, vandalism, fire, and other specified perils. It protects the insured party from financial losses arising from damage to the exchanged trailer during the period it is in their possession as specified in the interchange agreement.

Policy Limits and Deductibles:

Trailer Interchange insurance policies have limits and deductibles that can be customized based on the insured's needs and risk exposure. The limit represents the maximum amount the insurance company will pay for a covered claim, while the deductible is the amount the insured is responsible for paying out-of-pocket before the insurance coverage kicks in.

Provides liability coverage for vehicles that are non-owned, hired, leased, rented, or borrowed.

Hired Car insurance covers vehicles that a business rents, leases, or borrows for business purposes, while Non-owned insurance covers employees' personal vehicles when used for business-related activities. This coverage protects the business from potential financial losses arising from accidents that occur while these vehicles are being used for work-related tasks.

Coverage:

Hired Car and Non-owned insurance typically covers liability claims for bodily injury and property damage to third parties resulting from accidents that occur during the use of rented, leased, or borrowed vehicles, as well as employees' personal vehicles for business purposes. It does not cover damages to the vehicles themselves – separate physical damage coverage would be needed for that.

Importance for Businesses:

This type of insurance is essential for businesses that rely on rented, leased, or borrowed vehicles for their operations, as well as businesses whose employees use their personal vehicles for work-related tasks. It ensures that the business is protected from potential liabilities and financial losses arising from accidents involving these non-owned vehicles while they are being used for business purposes.

Designed to protect businesses from the financial consequences of pollution-related incidents.

Pollution Liability insurance covers claims related to the release or escape of pollutants, such as hazardous materials, chemicals, or waste, that result in property damage, bodily injury, or environmental contamination. This coverage helps businesses manage the financial risks associated with pollution incidents and ensures they can handle the costs of remediation and legal defense.

Coverage:

Pollution Liability insurance typically covers cleanup and remediation costs, legal defense expenses, and compensation for third-party bodily injury or property damage resulting from pollution incidents. This coverage can be tailored to address the specific needs and risks of various industries, such as manufacturing, construction, waste management, or energy production.

Importance for Businesses:

Many businesses face potential pollution-related risks, either through their operations, transportation, or disposal of hazardous materials. Pollution Liability insurance is essential for these businesses to protect their financial stability, comply with regulatory requirements, and demonstrate their commitment to environmental responsibility.

Designed for towing and recovery businesses.

On-hook/In-tow insurance provides coverage for damages to vehicles being towed or transported by a towing company's tow truck or vehicle transporter. This coverage protects towing businesses from financial losses resulting from accidents or incidents that occur while a customer's vehicle is in their care, custody, and control.

Coverage:

On-hook/In-tow insurance typically covers damages to the towed or transported vehicles caused by events such as collision, fire, theft, vandalism, or other specified perils. It does not cover damages to the towing company's own tow truck, which would require separate commercial auto insurance coverage.

Importance for Towing Businesses: This type of insurance is essential for towing companies and independent tow truck operators, as it offers financial protection for potential liabilities that may arise while they are responsible for a customer's vehicle. On-hook/In-tow insurance helps ensure that towing businesses can cover the costs of repairs or replacement of the towed vehicles in the event of an accident or incident, safeguarding their reputation and financial stability.

Designed for businesses that involve the handling, servicing, or storage of vehicles.

Garage Liability insurance provides coverage for businesses like auto repair shops, dealerships, and service stations against claims arising from bodily injury or property damage that occur during the course of their operations. This coverage protects the business from financial losses resulting from accidents or incidents on their premises or during the performance of their services.

Coverage:

Garage Liability insurance typically covers claims related to third-party bodily injury and property damage resulting from accidents on the business premises or during the provision of services. It does not cover damages to customers' vehicles while they are in the care, custody, and control of the business, which would require separate Garage keepers coverage.

Importance for Vehicle-related Businesses:

This type of insurance is essential for businesses that involve the handling, servicing, or storage of vehicles, as it offers financial protection for potential liabilities that may arise during their operations. Garage Liability insurance helps ensure that businesses have adequate coverage to safeguard their financial stability and maintain their reputation in the industry.

Designed for businesses that handle, service, or store customers' vehicles.

Garagekeepers Liability insurance provides coverage for damages to customers' vehicles while they are in the care, custody, or control of the business, such as during repair, maintenance, or storage. This coverage protects businesses like auto repair shops, dealerships, and service stations from financial losses resulting from incidents involving customers' vehicles.

Coverage:

Garagekeepers Liability insurance typically covers damages to customers' vehicles caused by events such as collision, theft, vandalism, fire, or other specified perils. The coverage can be tailored based on the business's needs and risk exposure, with options such as direct primary coverage (which covers the customer's vehicle regardless of fault) or legal liability coverage (which covers the customer's vehicle only if the business is found to be at fault).

Importance for Vehicle-related Businesses:

This type of insurance is essential for businesses that handle, service, or store customers' vehicles, as it offers financial protection for potential liabilities that may arise while the vehicles are in their care. Garagekeepers Liability insurance helps ensure that businesses have adequate coverage to cover the costs of repairs or replacement of customers' vehicles in the event of an accident or incident, safeguarding their reputation and financial stability.

Also known as MedPay, is a type of optional auto insurance coverage that provides financial protection for medical expenses.

Medical Payments insurance covers medical expenses for the policyholder and their passengers, regardless of fault, resulting from an accident involving the insured vehicle. This coverage can help pay for costs such as ambulance fees, hospital visits, surgery, and other necessary medical treatments.

Coverage:

Medical Payments insurance is designed to cover immediate and short-term medical expenses related to an auto accident. It typically applies to the policyholder, their family members, and any passengers in the insured vehicle. MedPay coverage limits vary depending on the chosen policy, and it's important to note that this coverage is supplementary to any existing health insurance.

No-Fault vs. At-Fault States:

Medical Payments insurance can be particularly valuable in at fault states where the at-fault driver's insurance is responsible for covering medical expenses. In no-fault states, Personal Injury Protection (PIP) coverage is often required and serves a similar purpose to MedPay, covering medical expenses and potentially other costs like lost wages, regardless of fault. MedPay can still be beneficial in no-fault states by supplementing PIP coverage or covering expenses that exceed PIP limits.

Services for roadside truck assistance are available 24/7. Whether you’re near, far, on a bustling city street, or on a quiet country road, help will be there when and where you need it.

Availability for these services will vary by state