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Protect your Trucking Business
Trucking comes with a unique set of risks and responsibilities that can be difficult to understand and navigate. Our agents specialize in protecting businesses just like yours. We've provided the basics of insuring your business below. We are ready and waiting to talk you through your questions and get you a quote for protection that fits your particular needs, whether you are an owner operator or managing a fleet of vehicles.
Understanding your Options
Two Types of Coverage
Insurance for Businesses generally falls into two categories. The first is Employer insurance, which state governments require if you have any employees. The second is Commercial Business insurance, which is not legally required but is recommended. We will help you navigate the individual requirements for your state.
Employer Insurance
State governments require that any business with employees have this coverage. Employer insurance provides for workers compensation and unemployment. If your state government requires it, Employer insurance will also disability insurance.
Commercial Business Insurance
We always recommend looking into Commercial Business insurance because if offers coverage for a variety of situations. Commercial Business insurance can be divided into three categories. General Liability protects you when accidents result in injury or negligence litigation. Commercial Property insurance protects your assets from a range of unexpected events and damages. Professional Liability covers claims of negligence from clients or customers.
Budgeting your Insurance Expenses
We recognize that insurance tends to be one of the largest costs for Trucking companies. Our promise to you is to help you find coverage that protects you and your business as we strategize with you to reduce the costs. Check out the tips below for some cost reducing ideas.