Operator working under someone’s authority
If you are an owner operator working under someone’s authority, you will need the following coverages:
Non-Truck Liability Insurance
It covers you when you use your truck for personal use, when you are in your home state and off duty, like going shopping or travelling to sporting event. This coverage is designed to protect you from gap in primary liability coverage provided to you by the trucking company. Non truck liability does not cover you if you are carrying cargo or dispatched to another state by your carrier.
Physical Damage
There two types of coverage normally offered and purchased:
Collision Coverage – pays for damages to your truck caused in a motor vehicle accident (regardless of fault).
Comprehensive Coverage – pays for damages to your vehicle caused by other than collision incidents, such as fire, vandalism, falling objects and theft.
When you purchase physical damage coverage, carefully consider your vehicle’s condition and research its market value, so our agents can help you purchase proper limits of coverage.
Operating under your own authority
If you are operating under your own authority (you have a DOT number), you will need a combination of the following coverages:
Commercial Auto Liability
This is a required coverage that pays for injuries and damages caused by your negligence. Such as for repairs to another vehicle or pain and suffering pay out to a pedestrian or driver of another vehicle. If you are For-Hire trucker, majority of shippers will require you to carry limits of $1,000,000. Liability insurance is required for insurance companies to complete your Federal, State and Local fillings.
Motor Truck Cargo
Commonly referred to as cargo, this coverage provides protection to the freight or commodities hauled in your truck if it was damaged due to a motor vehicle accident or natural disaster. Majority of car haulers will have different limit requirements depending on number of vehicles that can be hauled at the time and type of vehicles hauled. Usually if you are hauling more than four new luxury or even one exotic vehicle you will need a minimum of $250,000 to $500,000 of cargo coverage with higher limits warranted if applicable. Used and/or damaged auto haulers usually need limits of $100,000 to $250,000.
General Liability
It protects you from injuries and property damages caused to other parties due to activities not directly related to operating the truck. Such as customer’s slip and fall incidents at your facilities or negligent acts of your driver when in scope of your operations (other than motor vehicle accident).
Underinsured Motorist
This coverage pays you for injuries sustained in a motor vehicle accident caused by negligence of underinsured party. Underinsured party is someone who has auto liability limits that are lower than the value of your claim.
Uninsured Motorist
This coverage pays you for injuries sustained in a motor vehicle accident caused by negligence of uninsured party.
Medical Expenses
Depending on state, this coverage may cover your and/or pedestrian’s medical expenses incurred due to motor vehicle accident.
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Accredited Surety and Casualty Company
Agency Insurance Company (AIC)
American Empire
American Inter Fidelity Exchange
A-One Commercial Insurance
Arch Specialty
Aspen American Insurance
Bell & Clements LTD
Berkley Insurance Group
Berkshire Hathaway
Canal Insurance
Canopius
Canopius US Insurance Inc
Capitol Specialty Insurance
Century Insurance Group
CNA
County Hall Insurance
Crum & Forster
DB Insurance
Endurance Specialty
Falls Lake National Insurance
Golden Bear Insurance
Great American Insurance
Great Lakes Insurance SE
Hiscox
Hudson Insurance Group
IAT Insurance Group
James River Insurance
Knight Specialty Insurance
Lancer Insurance
Lexington Insurance
Liberty Mutual
Lloyds of London
Maxum Indemnity
Milford Casualty Insurance
National Casualty
National Fire Insurance
National General Insurance
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NICO
Northfield Insurance
Northland Insurance
Occidental Fire and Casualty
Old Republic Union Insurance
Palomar
Pan American
Philadelphia Insurance Companies
PMA Companies
Prime Insurance
Progressive
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Scottsdale Insurance
Shepherd Compello
Star Mutual
Starstone
Trisura Specialty Insurance
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United Specialty
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White Pine Insurance
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Zurich
- Accredited Surety and Casualty Company
- Agency Insurance Company (AIC)
- American Empire
- American Inter Fidelity Exchange
- A-One Commercial Insurance
- Arch Specialty
- Aspen American Insurance
- Bell & Clements LTD
- Berkley Insurance Group
- Berkshire Hathaway
- Canal Insurance
- Canopius
- Canopius US Insurance Inc
- Capitol Specialty Insurance
- Century Insurance Group
- CNA
- County Hall Insurance
- Crum & Forster
- DB Insurance
- Endurance Specialty
- Falls Lake National Insurance
- Golden Bear Insurance
- Great American Insurance
- Great Lakes Insurance SE
- Hiscox
- Hudson Insurance Group
- IAT Insurance Group
- James River Insurance
- Knight Specialty Insurance
- Lancer Insurance
- Lexington Insurance
- Liberty Mutual
- Lloyds of London
- Maxum Indemnity
- Milford Casualty Insurance
- National Casualty
- National Fire Insurance
- National General Insurance
- NEXT
- NICO
- Northfield Insurance
- Northland Insurance
- Occidental Fire and Casualty
- Old Republic Union Insurance
- Palomar
- Pan American
- Philadelphia Insurance Companies
- PMA Companies
- Prime Insurance
- Progressive
- RLI
- Scottsdale Insurance
- Shepherd Compello
- Star Mutual
- Starstone
- Trisura Specialty Insurance
- United Financial Casualty
- United Specialty
- UPMC
- USLI
- Valley Forge Insurance
- Wesco Insurance
- White Pine Insurance
- Work Partners
- XL
- Zurich