TRUCK INSURANCE

Commercial Truck Insurance

Whether you drive tractor trailers, box trucks, flatbeds, or anything in between, if you depend on your truck to drive your business, we can help you protect your business.

The Risk: 

  • About 130,000 people are injured each year in truck accidents

  • 70% of truck accidents report only property damage

  • 22% of truck accidents result in injuries

  • The average cost of a commercial truck accident is about $59,000

Like many auto insurance policies, commercial truck insurance comes with several types of coverage, each of which is specifically designed to protect your business and your personal assets from catastrophic loss. The coverage you need may include:

Commercial Truck Liability Insurance

Covers your liability risks in the event that you or one of your employed drivers causes an accident. Your commercial truck liability will include bodily injury liability to cover the costs of injuries and medical expenses for the injured party, and property damage liability to cover the costs of property damage in an accident. Your commercial truck liability insurance will typically also cover the costs of legal defense, whether or not your company is found to be at fault in an accident.

 

Physical Damage Coverage 

Covers the costs of damage to your vehicle from an accident or other incident. This coverage includes both collision coverage to pay for damage from a crash as well as comprehensive coverage to pay for damage from theft, vandalism and "other than collision” causes.

Uninsured/underinsurance motorists coverage: Covers the costs of injuries and damages if you or one of your employees is in an accident where another driver is at fault, but that driver does not have adequate coverage to pay for your injuries and property damage

 

Truck Cargo Coverage

Covers damage or theft of items your truck is hauling. Federal law does not require you to have cargo insurance. The owner of the goods you are hauling may require the coverage. The company you are hauling for will let you know the cargo coverage limit they require.  We highly recommend you carry cargo insurance in order to protect your goods in case of an accident.

 

 

 

 

COMMERCIAL TRUCK DRIVER OCCUPATIONAL ACCIDENT INSURANCE

If a driver is injured while driving their semi or other work-related incidents, this coverage can help pay the cost of medical treatment, prescriptions and even disability payments and benefits for accidental death.

In addition to these types of coverage, you will have many other options as you structure your policy to cover your specific concerns. For example, if your employees sometimes need to drive their own vehicles in the course of business, you may want a non-owned vehicles policy. This coverage will protect you and your drivers from the costs associated with accidents that occur during business hours when an employee is driving a vehicle that your company does not own.

Since commercial truck insurance varies widely depending on the type of truck and the use of the vehicle, it can be very difficult to get a side-by-side comparison of different quotes for the same types and amounts of insurance coverage.

QUOTE NOW

We offer specialized truck insurance for most types of trucks with coverages designed for professional truck drivers like you: 

  • Box trucks

  • Semi trucks

  • Flatbed trucks

  • Front loaders

  • Tank trucks

  • Tractors

  • Dump trucks

  • Auto hauler trailers

  • Garbage trucks

  • Pickup trucks

  • Flatbed trailers

  • And many more.

© 2020 FOUR POINT INSURANCE AGENCY

 Serving FLORIDA, Greater Miami area, MEDLEY area 

FOUR POINTS INSURANCE AGENCY

9657 NW S River Drive

Medley, FL 33166

 

305-884-8884