What is the difference between auto and general liability?
Auto liability covers potential damage for the movement of your truck and trailer. Transportation general liability covers your business operations that are related to your trucking operation but do not involve the movement of the truck.
I am just starting my trucking business; what coverages do I need?
The following coverages are the most common for trucking:
- Commercial Auto Liability $1,000,000
- Physical Damage Coverage $1000 deductible
- Motor Truck Cargo $100,000 Limit
- Non-Owned Trailer $1000 deductible
What is the difference between a certificate holder and additional insured?
A certificate is simply proof of insurance whereas an additional insured name the broker/entity on the policy and provides additional protection for that entity in the event of a claim. It also ensures that should the policy cancel for any reason the broker/entity is notified ahead of the cancel date.
Do I need Occupational Accident insurance?
Occupational accident truck insurance can be truly beneficial if you have a work-related accident or illness, especially if you do not have health care coverage.