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Truckers have expanded needs for insurance because they need to protect their truck, the contents being hauled, their business, and themselves. To be sure you have adequate trucking insurance, it is important to work closely with your agent at Martin Insurance Team serving Evergreen Park, IL. The agents are specialists in trucking insurance with many years of experience in supporting truckers and the trucking industry.
Trucking Insurance Needs
Here is an overview of the main components of adequate trucking insurance that include all the categories of insurance to consider.
Truck Insurance
The first part of comprehensive trucking insurance is the protection of the truck itself. Replacement cost is the best protection for commercial vehicle insurance. Road service and towing coverage are good to have as well.
Hauling Coverage
Insurance of the contents being hauled is based on the value of the contents. Hauling coverage insurance is based on the value of the content being transported. This may be up to a certain limit that is sufficient for the average value of each haul or adjustable coverage based on the specific value of each shipment.
Business Interruption
This protection helps provide money to cover expenses when the truck cannot operate because of circumstances beyond the control of the truck owner. Trip cancellation may be caused by inclement weather and this may be part of the risk that is mitigated by having business interruption insurance.
Truck Drivers
Independent operators may need other types of insurance such as health insurance and key person life insurance to have adequate coverage for all the risk to the truck drivers themselves. Make sure any valuable personal property that is taken along on road trips, such as laptops or smartphones are also covered.
Work with your agent at Martin Insurance Team in Evergreen Park, IL to get a comprehensive trucking insurance review and a quote for adequate insurance coverage that is sufficient for your needs.
