Trucking Insurance

Protecting your business on the open road.

Trucking insurance for a variety of business sizes and types.

Does your company make use of commercial trucks? If so, you may need to consider commercial trucking insurance, which covers more risks than your typical auto insurance would.

Bigger risks require broader coverage.

Compared with ordinary auto insurance, commercial trucking insurance needs to cover not just bigger risks, but a wider range of risks. The potential costs of damage to property and medical bills are higher simply because a truck can have a bigger impact in a collision. Meanwhile, you’ll also need to be covered for the potential loss of, or damage to, cargo.

Insurance unique to your trucking operations.

The principles behind commercial truck policies are simple enough, but be prepared to answer a lot of questions about the type of people you have operating the trucks, the type of cargo they carry, and the expected mileage during the year. Your coverage needs could also change depending on whether you cross borders into other jurisdictions.

What are some common questions your insurance professional may ask?
  • Which employees will be driving your trucks?
  • What kind of certification or training do your drivers have?
  • What will they be hauling? Is it hazardous?
  • How many miles do your trucks travel in a year?
  • Do your trucks cross state boundaries?

Asking questions like these, combined with obtaining driving records, fuel tax records, and your inspection records, helps your insurance professional develop the correct insurance program tailored to your business. Granite Insurance provides risk management and resources to promote safe driving for you and your employees through a risk consulting partnership.

Ensure your coverage meets and exceeds all standards.

Discounts may be available based on factors such as your staff holding commercial driver’s licenses, or your business being well-established. You should also check to see if your policy provides for government filings, which may be necessary to verify your coverage meets specified standards.

For more details on covering your commercial trucks, contact us today.

Trucking Insurance - Two Trucks Rolling Down the Highway

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