Physical damage insurance includes but is not limited to collisions. Comprehensive focuses on non-collision damage. Certain types of heavy trucks are eligible for fire and theft with combined additional coverage (CAC) insurance.
Trailer interchange insurance covers trailers that are not your own, essentially functioning like a physical damage policy.
Sometimes confused with Bobtail insurance, non-trucking insurance provides coverage for times when you are using your truck for non-business transportation like going to the grocery store or running personal errands. Certain circumstances, like driving to the mechanic or going home from a job may not qualify as non-trucking.
Cargo insurance is typically used by for-hire truckers. It covers liability, damage, and clean-up related to incidents with the commodity or freight in tow.
Under/Uninsured Motorist (UM/UIM)
When the responsible party involved in an accident lacks liability coverage, or when their coverage isn’t sufficient to cover your damages, UM/UIM insurance can help.
After the load has been delivered, bobtail insurance covers the vehicle when there is no trailer attached. Distinct from non-trucking, this policy would provide coverage when driving from one drop-off to the next job.
Also known as MedPay coverage, Medical Payments insurance covers medical expenses related to injuries involving the truck, including but not limited to injuries from collisions.
Personal Injury Protection (PIP)
PIP is often required by law in “no-fault” states, providing coverage for injuries regardless of fault. The policy may include death and disability benefits.
Motor Truck General Liability
Also known as trucker’s GL, this type of general liability covers damages that are not directly related to operating the truck. For example, a mistake in the delivery process may cause a line of products to be ruined.
General liability coverage provides protection against claims involving property damage, personal injury, and bodily injury.
Mandatory for many businesses, workers’ comp insurance comes into play when workplace conditions contribute to an injury.